| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +9.3% | +0.9% | +8.4 pts |
| Loan growth (YoY) | +139.8% | -2.6% | +142.4 pts |
| ROA | 1.12% | 0.65% | +0.5 pts |
| ROE | 4.3% | 4.4% | -0.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $358K | $251K | $48K | $93K | $2K | 1.12% | 3.14% | 0.00% | 142 |
| Q1 2026 | $358K | $252K | $35K | $92K | $970 | 1.08% | 2.76% | 5.52% | 146 |
| Q4 2025 | $346K | $241K | $28K | $91K | $221 | 0.06% | 2.22% | 0.00% | 146 |
| Q3 2025 | $353K | $244K | $19K | $94K | $2K | 0.92% | 3.20% | 0.00% | 150 |
| Q2 2025 | $338K | $230K | $20K | $94K | $3K | 1.54% | 4.09% | 0.00% | 150 |
| Q1 2025 | $345K | $239K | $28K | $91K | $239 | 0.28% | 3.77% | 0.00% | 145 |
| Q4 2024 | $336K | $231K | $26K | $91K | $3K | 0.92% | 2.70% | 2.49% | 153 |
| Q3 2024 | $335K | $230K | $31K | $96K | $6K | 2.42% | 4.00% | 0.00% | 153 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $326K |
| $222K |
| $32K |
| $95K |
| $5K |
| 3.12% |
| 5.04% |
| 0.00% |
| 153 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $32K · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 80.6% | 17th |
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: Queens, NY, ranked 72nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Queens, NY | 1 | $251K* | 0.00% | 72nd |
New York: 473rd with 0.00% · New York-Newark-Jersey City metro: 335th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1