| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.0 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 5.7% | 5.9% | -0.3 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.9M | $142.3M | $123.9M | $19.1M | $271K | 0.66% | 3.33% | 0.38% | 11,570 |
| Q4 2025 | $160.4M | $138.3M | $125.8M | $18.7M | $791K | 0.49% | 3.24% | 0.42% | 11,560 |
| Q3 2025 | $159.6M | $137.5M | $126.2M | $18.4M | $564K | 0.47% | 3.21% | 0.50% | 11,491 |
| Q2 2025 | $157.8M | $134.2M | $124.3M | $18.2M | $324K | 0.41% | 3.15% | 0.24% | 11,494 |
| Q1 2025 | $158.0M | $130.5M | $121.6M | $18.0M | $180K | 0.46% | 3.12% | 0.20% | 11,466 |
| Q4 2024 | $154.5M | $124.0M | $122.4M | $17.9M | $532K | 0.34% | 3.07% | 0.21% | 11,414 |
| Q3 2024 | $151.9M | $121.7M | $119.4M | $17.7M | $409K | 0.36% | 3.08% | 0.42% | 11,528 |
| Q2 2024 | $155.7M | $125.4M | $121.2M | $17.6M | $291K | 0.37% | 2.98% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 11,538 |
Loan mix (Q1 2026): real estate $74.5M · commercial $0 · consumer $30.8M · securities $24.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 78.7% | 47th |
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.
5 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Hampden, MA, ranked 18th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hampden, MA | 5 | $134.2M* | 0.88% | 18th |
Massachusetts: 150th with 0.02% · Springfield metro: 18th, 0.88% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 5 · 2024 5 · 2025 5