| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +1.3% | -5.9 pts |
| Share growth (YoY) | -6.0% | +0.9% | -7.0 pts |
| Loan growth (YoY) | -18.4% | -2.6% | -15.8 pts |
| ROA | 0.26% | 0.65% | -0.4 pts |
| ROE | 1.3% | 4.4% | -3.1 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.3M | $45.4M | $10.7M | $11.6M | $76K | 0.26% | 2.96% | 1.20% | 3,318 |
| Q1 2026 | $58.5M | $46.7M | $11.3M | $11.6M | $14K | 0.10% | 2.93% | 1.44% | 3,352 |
| Q4 2025 | $57.4M | $45.5M | $11.9M | $11.5M | $225K | 0.39% | 3.15% | 1.64% | 3,409 |
| Q3 2025 | $59.6M | $47.7M | $12.0M | $11.6M | $251K | 0.56% | 3.08% | 2.27% | 3,449 |
| Q2 2025 | $60.1M | $48.3M | $13.2M | $11.4M | $113K | 0.38% | 3.05% | 1.95% | 3,474 |
| Q1 2025 | $61.5M | $49.8M | $14.1M | $11.3M | $24K | 0.16% | 2.94% | 1.50% | 3,504 |
| Q4 2024 | $60.7M | $49.0M | $15.1M | $11.3M | $80K | 0.13% | 2.94% | 2.51% | 3,599 |
| Q3 2024 | $60.1M | $48.3M | $15.1M | $11.3M | $97K | 0.21% | 2.95% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,651 |
| Q2 2024 | $61.0M | $49.3M | $15.8M | $11.3M | $30K | 0.10% | 2.82% | 2.16% | 3,689 |
Loan mix (Q2 2026): real estate $6.0M · commercial $349K · consumer $4.4M · securities $27.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 80.6% | 72nd |
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 1 state (+0 vs 2025). Biggest market: Western Connecticut, CT, ranked 29th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 2 | $30.3M* | 0.05% | 29th |
| Naugatuck Valley, CT | 1 | $15.1M* | 0.11% | 27th |
Connecticut: 84th with 0.02% · Bridgeport-Stamford-Danbury metro: 35th, 0.04% · Waterbury-Shelton metro: 27th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3