| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.1% | +0.7 pts |
| Share growth (YoY) | +3.7% | +3.5% | +0.2 pts |
| Loan growth (YoY) | +1.1% | +2.9% | -1.7 pts |
| ROA | 1.61% | 0.74% | +0.9 pts |
| ROE | 10.0% | 6.5% | +3.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $370.2M | $307.8M | $220.5M | $59.8M | $3.0M | 1.61% | 3.47% | 0.48% | 20,526 |
| Q1 2026 | $370.2M | $309.5M | $223.0M | $58.5M | $1.7M | 1.79% | 3.41% | 0.36% | 20,296 |
| Q4 2025 | $360.4M | $301.1M | $226.4M | $56.8M | $5.1M | 1.41% | 3.49% | 0.32% | 20,116 |
| Q3 2025 | $357.1M | $298.9M | $219.9M | $55.9M | $3.9M | 1.46% | 3.50% | 0.80% | 19,990 |
| Q2 2025 | $353.2M | $296.7M | $218.0M | $54.5M | $2.5M | 1.43% | 3.49% | 0.67% | 19,810 |
| Q1 2025 | $350.5M | $295.2M | $217.4M | $53.2M | $1.3M | 1.45% | 3.40% | 0.48% | 19,640 |
| Q4 2024 | $331.9M | $278.1M | $219.5M | $52.0M | $5.8M | 1.74% | 3.65% | 0.73% | 19,488 |
| Q3 2024 | $325.4M | $272.9M | $218.4M | $50.5M | $4.1M | 1.69% | 3.71% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.74% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 6.5% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 19,374 |
| Q2 2024 | $318.9M | $268.0M | $215.4M | $49.0M | $2.6M | 1.66% | 3.75% | 0.65% | 19,578 |
Loan mix (Q2 2026): real estate $95.9M · commercial $16.0M · consumer $91.2M · securities $109.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 77.5% | 16th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Oxford, ME, ranked 3rd with 14.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oxford, ME | 2 | $205.2M* | 14.61% | 3rd |
| Hillsborough, FL | 1 | $102.6M* | 0.17% | 44th |
Maine: 46th with 0.35% · Florida: 236th with 0.01% · Tampa-St. Petersburg-Clearwater metro: 59th, 0.07% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3