| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.1% | +1.7 pts |
| Share growth (YoY) | +4.6% | +3.5% | +1.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.37% | 0.74% | +0.6 pts |
| ROE | 10.4% | 6.5% | +3.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.4M | $99.0M | $41.6M | $15.1M | $783K | 1.37% | 3.83% | 0.12% | 8,192 |
| Q1 2026 | $111.8M | $97.7M | $40.0M | $14.6M | $316K | 1.13% | 3.88% | 0.21% | 8,152 |
| Q4 2025 | $110.1M | $95.7M | $41.5M | $14.3M | $1.3M | 1.14% | 3.91% | 0.51% | 8,998 |
| Q3 2025 | $107.6M | $93.5M | $42.2M | $14.1M | $1.1M | 1.34% | 3.98% | 0.53% | 8,946 |
| Q2 2025 | $108.1M | $94.6M | $40.3M | $12.3M | $744K | 1.38% | 3.94% | 0.10% | 8,924 |
| Q1 2025 | $106.8M | $93.4M | $39.1M | $12.0M | $350K | 1.31% | 3.94% | 0.06% | 8,989 |
| Q4 2024 | $103.6M | $89.9M | $40.5M | $11.7M | $1.5M | 1.49% | 3.69% | 0.15% | 9,014 |
| Q3 2024 | $102.3M | $89.6M | $41.2M | $11.4M | $1.3M | 1.74% | 3.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.74% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 6.5% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 9,114 |
| Q2 2024 | $82.9M | $73.0M | $35.4M | $11.0M | $889K | 2.14% | 4.38% | 0.34% | 7,072 |
Loan mix (Q2 2026): real estate $20.5M · commercial $0 · consumer $20.2M · securities $56.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 77.5% | 22nd |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Erie, NY, ranked 25th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 3 | $99.0M* | 0.15% | 25th |
New York: 238th with 0.00% · Buffalo-Cheektowaga metro: 28th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 3 · 2026 3