| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.5% | +0.9% | +0.5 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.1 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 3.1% | 4.4% | -1.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.3M | $50.9M | $19.3M | $7.5M | $115K | 0.39% | 2.66% | 2.59% | 3,103 |
| Q1 2026 | $57.4M | $50.2M | $19.7M | $7.4M | $41K | 0.28% | 2.60% | 1.79% | 3,110 |
| Q4 2025 | $55.5M | $48.3M | $19.8M | $7.3M | $240K | 0.43% | 2.69% | 1.96% | 3,134 |
| Q3 2025 | $56.6M | $49.5M | $19.7M | $7.3M | $187K | 0.44% | 2.59% | 0.57% | 3,216 |
| Q2 2025 | $57.3M | $50.2M | $20.0M | $7.2M | $107K | 0.37% | 2.49% | 0.49% | 3,304 |
| Q1 2025 | $58.4M | $51.4M | $19.8M | $7.1M | $19K | 0.13% | 2.25% | 0.35% | 3,342 |
| Q4 2024 | $57.6M | $49.7M | $20.0M | $7.1M | $48K | 0.08% | 2.12% | 1.20% | 3,362 |
| Q3 2024 | $55.5M | $48.6M | $19.7M | $7.1M | $35K | 0.08% | 2.20% | 1.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,381 |
| Q2 2024 | $60.9M | $53.7M | $19.4M | $7.1M | $7K | 0.02% | 1.94% | 1.27% | 3,395 |
Loan mix (Q2 2026): real estate $17.5M · commercial $0 · consumer $1.3M · securities $29.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 80.6% | 64th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Bristol, MA, ranked 29th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol, MA | 2 | $50.9M* | 0.24% | 29th |
Massachusetts: 181st with 0.01% · Providence-Warwick metro: 46th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2