| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.2% | +1.3% | -9.5 pts |
| Share growth (YoY) | -9.7% | +0.9% | -10.6 pts |
| Loan growth (YoY) | -3.8% | -2.6% | -1.1 pts |
| ROA | -0.00% | 0.65% | -0.6 pts |
| ROE | -0.0% | 4.4% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $13.5M | $11.8M | $4.6M | $1.7M | $-119 | -0.00% | 3.43% | 0.38% | 1,479 |
| Q1 2026 | $13.8M | $12.1M | $4.5M | $1.7M | $-19K | -0.55% | 3.03% | 0.14% | 1,488 |
| Q4 2025 | $13.8M | $12.0M | $4.7M | $1.7M | $53K | 0.38% | 3.13% | 0.09% | 1,506 |
| Q3 2025 | $14.1M | $12.4M | $4.7M | $1.7M | $27K | 0.26% | 2.96% | 0.14% | 1,511 |
| Q2 2025 | $14.7M | $13.1M | $4.8M | $1.6M | $-5K | -0.07% | 2.63% | 0.16% | 1,513 |
| Q1 2025 | $14.6M | $12.9M | $4.8M | $1.6M | $-17K | -0.48% | 2.63% | 0.59% | 1,536 |
| Q4 2024 | $13.9M | $12.2M | $5.1M | $1.6M | $-2K | -0.02% | 2.61% | 0.43% | 1,556 |
| Q3 2024 | $14.8M | $13.1M | $5.2M | $1.6M | $5K | 0.05% | 2.39% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.65% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | -0.0% | 4.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,561 |
| Q2 2024 | $14.3M | $12.7M | $5.2M | $1.7M | $11K | 0.15% | 2.44% | 0.06% | 1,567 |
Loan mix (Q2 2026): real estate $827K · commercial $0 · consumer $3.7M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.3% | 80.6% | 85th |
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: Oneida, NY, ranked 20th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oneida, NY | 1 | $11.8M* | 0.17% | 20th |
New York: 387th with 0.00% · Utica-Rome metro: 21st, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1