| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | -5.0% | -2.6% | -2.4 pts |
| ROA | 0.88% | 0.65% | +0.2 pts |
| ROE | 3.2% | 4.4% | -1.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.8M | $4.2M | $3.1M | $1.6M | $25K | 0.88% | 4.29% | 4.88% | 744 |
| Q1 2026 | $5.8M | $4.3M | $3.0M | $1.6M | $17K | 1.19% | 4.18% | 4.89% | 745 |
| Q4 2025 | $5.7M | $4.2M | $3.0M | $1.5M | $56K | 0.97% | 4.36% | 6.92% | 780 |
| Q3 2025 | $5.7M | $4.2M | $3.0M | $1.5M | $44K | 1.02% | 4.23% | 0.27% | 778 |
| Q2 2025 | $5.7M | $4.2M | $3.2M | $1.5M | $36K | 1.26% | 4.34% | 2.47% | 778 |
| Q1 2025 | $5.6M | $4.1M | $3.1M | $1.5M | $16K | 1.18% | 4.52% | 4.42% | 775 |
| Q4 2024 | $5.8M | $4.3M | $3.2M | $1.5M | $27K | 0.47% | 4.54% | 9.27% | 779 |
| Q3 2024 | $6.0M | $4.5M | $3.3M | $1.5M | $27K | 0.59% | 4.24% | 1.25% | 778 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.65% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.4% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.2M | $4.7M | $3.5M | $1.5M | $55K | 1.77% | 4.14% | 1.44% | 785 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.1M · securities $1.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 80.6% | 43rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Erie, NY, ranked 78th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $4.2M* | 0.01% | 78th |
New York: 429th with 0.00% · Buffalo-Cheektowaga metro: 86th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1