| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +7.1% | +0.9% | +6.1 pts |
| Loan growth (YoY) | +3.2% | -2.6% | +5.8 pts |
| ROA | 1.15% | 0.65% | +0.5 pts |
| ROE | 6.9% | 4.4% | +2.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.3M | $35.3M | $23.2M | $7.0M | $244K | 1.15% | 4.26% | 0.28% | 3,676 |
| Q1 2026 | $41.9M | $35.0M | $23.3M | $6.9M | $85K | 0.81% | 4.20% | 0.16% | 3,695 |
| Q4 2025 | $40.4M | $33.5M | $23.7M | $6.8M | $537K | 1.33% | 4.44% | 0.26% | 3,695 |
| Q3 2025 | $38.3M | $31.5M | $23.7M | $6.7M | $408K | 1.42% | 4.66% | 0.12% | 3,962 |
| Q2 2025 | $39.5M | $32.9M | $22.5M | $6.5M | $240K | 1.22% | 4.47% | 0.44% | 3,911 |
| Q1 2025 | $38.4M | $31.9M | $22.5M | $6.4M | $137K | 1.43% | 4.55% | 0.15% | 3,921 |
| Q4 2024 | $37.3M | $31.0M | $23.0M | $6.3M | $384K | 1.03% | 4.37% | 0.30% | 3,935 |
| Q3 2024 | $37.3M | $31.1M | $22.6M | $6.1M | $298K | 1.07% | 4.29% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,941 |
| Q2 2024 | $37.4M | $31.5M | $22.8M | $6.0M | $138K | 0.74% | 4.16% | 0.05% | 3,929 |
Loan mix (Q2 2026): real estate $9.9M · commercial $0 · consumer $12.5M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 80.6% | 33rd |
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.
2 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Warren, NY, ranked 14th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Warren, NY | 1 | $17.6M* | 0.52% | 14th |
| Salt Lake, UT | 1 | $17.6M* | 0.00% | 94th |
Utah: 122nd with 0.00% · New York: 363rd with 0.00% · Glens Falls metro: 14th, 0.40% · Salt Lake City-Murray metro: 94th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2