| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.4% | +4.1% | +16.2 pts |
| Share growth (YoY) | +21.4% | +3.5% | +17.9 pts |
| Loan growth (YoY) | +33.7% | +2.9% | +30.8 pts |
| ROA | 2.17% | 0.74% | +1.4 pts |
| ROE | 14.2% | 6.5% | +7.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $109.9M | $93.0M | $100.4M | $16.8M | $1.2M | 2.17% | 2.84% | 4.28% | 3,026 |
| Q1 2026 | $101.6M | $85.2M | $91.5M | $16.3M | $642K | 2.53% | 3.13% | 5.08% | 3,051 |
| Q4 2025 | $95.4M | $79.7M | $84.5M | $15.6M | $1.9M | 1.98% | 2.85% | 5.31% | 3,064 |
| Q3 2025 | $90.8M | $75.6M | $74.2M | $15.1M | $1.4M | 2.00% | 2.87% | 7.52% | 3,020 |
| Q2 2025 | $91.3M | $76.6M | $75.1M | $14.7M | $907K | 1.99% | 2.86% | 5.28% | 3,040 |
| Q1 2025 | $87.7M | $73.5M | $76.0M | $14.1M | $397K | 1.81% | 2.93% | 4.33% | 3,110 |
| Q4 2024 | $85.5M | $71.7M | $70.7M | $13.8M | $1.2M | 1.39% | 2.53% | 5.99% | 3,091 |
| Q3 2024 | $79.8M | $66.1M | $65.1M | $13.6M | $1.0M | 1.75% | 2.65% | 1.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 0.74% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 6.5% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 3,071 |
| Q2 2024 | $74.1M | $60.9M | $58.5M | $13.2M | $605K | 1.63% | 2.65% | 2.71% | 3,078 |
Loan mix (Q2 2026): real estate $97.3M · commercial $792K · consumer $2.4M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.4% | 77.5% | 0th |
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 1 county across 1 state (+1 vs 2025). Biggest market: Nassau, NY, ranked 40th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 2 | $93.0M* | 0.08% | 40th |
New York: 244th with 0.00% · New York-Newark-Jersey City metro: 178th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2