| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -0.9% | +0.7% | -1.6 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.8 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 1.7% | 4.1% | -2.4 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.7M | $22.0M | $19.9M | $2.9M | $13K | 0.20% | 6.51% | 0.15% | 4,744 |
| Q4 2025 | $25.6M | $22.7M | $20.4M | $2.9M | $239K | 0.93% | 6.22% | 0.29% | 4,706 |
| Q3 2025 | $24.3M | $21.6M | $20.3M | $2.8M | $183K | 1.00% | 6.46% | 0.15% | 4,623 |
| Q2 2025 | $24.1M | $21.4M | $20.0M | $2.8M | $116K | 0.96% | 6.38% | 0.13% | 4,613 |
| Q1 2025 | $24.8M | $22.2M | $20.0M | $2.7M | $46K | 0.74% | 6.03% | 0.07% | 4,575 |
| Q4 2024 | $24.9M | $22.3M | $20.9M | $2.7M | $-57K | -0.23% | 5.81% | 0.29% | 4,640 |
| Q3 2024 | $24.8M | $22.2M | $21.3M | $2.7M | $-27K | -0.15% | 5.64% | 0.04% | 4,611 |
| Q2 2024 | $25.6M | $22.1M | $21.6M | $2.6M | $-142K | -1.11% | 5.27% | 0.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.1% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,621 |
Loan mix (Q1 2026): real estate $372K · commercial $0 · consumer $18.3M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 77th |
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.
4 branches in 4 counties across 2 states (-1 vs 2024). Biggest market: Albany, NY, ranked 25th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Albany, NY | 1 | $5.4M* | 0.03% | 25th |
| New York, NY | 1 | $5.4M* | 0.00% | 97th |
| Rensselaer, NY | 1 | $5.4M* | 0.14% | 18th |
| 1 more county with Pro → | ||||
New York: 368th with 0.00% · Virginia: 207th with 0.00% · Albany-Schenectady-Troy metro: 31st, 0.03% · New York-Newark-Jersey City metro: 279th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 4