| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.1% | +0.1 pts |
| Share growth (YoY) | -0.9% | +3.5% | -4.5 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.5 pts |
| ROA | 0.00% | 0.74% | -0.7 pts |
| ROE | 0.0% | 6.5% | -6.4 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.2M | $181.1M | $163.0M | $19.1M | $4K | 0.00% | 3.74% | 0.93% | 12,348 |
| Q1 2026 | $207.0M | $184.3M | $162.8M | $19.1M | $-64K | -0.12% | 3.80% | 0.87% | 12,265 |
| Q4 2025 | $204.8M | $181.6M | $161.6M | $19.1M | $-925K | -0.45% | 3.70% | 0.95% | 13,727 |
| Q3 2025 | $201.0M | $178.7M | $158.9M | $19.7M | $-358K | -0.24% | 3.73% | 1.05% | 13,691 |
| Q2 2025 | $203.6M | $182.7M | $156.2M | $19.7M | $-362K | -0.36% | 3.59% | 0.93% | 13,595 |
| Q1 2025 | $208.6M | $188.0M | $156.4M | $20.1M | $-11K | -0.02% | 3.20% | 0.79% | 13,481 |
| Q4 2024 | $204.1M | $177.7M | $158.4M | $20.1M | $511K | 0.25% | 3.52% | 0.83% | 13,382 |
| Q3 2024 | $201.0M | $173.3M | $159.8M | $19.6M | $29K | 0.02% | 3.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.74% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 6.5% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 13,471 |
| Q2 2024 | $207.7M | $181.0M | $157.8M | $19.6M | $-68K | -0.07% | 3.43% | 0.66% | 13,521 |
Loan mix (Q2 2026): real estate $90.7M · commercial $5.3M · consumer $65.2M · securities $31.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 77.5% | 93rd |
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 1 county across 1 state (+0 vs 2025). Biggest market: Rockland, NY, ranked 14th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rockland, NY | 4 | $181.1M* | 1.32% | 14th |
New York: 193rd with 0.01% · New York-Newark-Jersey City metro: 152nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4