| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | -2.5% | +0.9% | -3.5 pts |
| Loan growth (YoY) | -2.2% | -2.6% | +0.4 pts |
| ROA | 3.12% | 0.65% | +2.5 pts |
| ROE | 27.1% | 4.4% | +22.7 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.5M | $46.4M | $32.4M | $6.2M | $835K | 3.12% | 8.16% | 0.42% | 6,829 |
| Q1 2026 | $53.7M | $47.3M | $32.2M | $5.5M | $164K | 1.22% | 6.04% | 1.06% | 6,843 |
| Q4 2025 | $51.5M | $45.1M | $33.0M | $5.3M | $806K | 1.56% | 7.16% | 0.82% | 6,836 |
| Q3 2025 | $51.4M | $45.4M | $33.2M | $5.2M | $612K | 1.59% | 6.79% | 0.44% | 6,904 |
| Q2 2025 | $53.4M | $47.6M | $33.1M | $5.0M | $426K | 1.59% | 6.74% | 0.34% | 6,882 |
| Q1 2025 | $53.2M | $47.5M | $32.8M | $4.8M | $245K | 1.85% | 6.27% | 0.67% | 6,878 |
| Q4 2024 | $52.3M | $44.6M | $33.3M | $4.6M | $327K | 0.63% | 5.23% | 0.53% | 6,868 |
| Q3 2024 | $52.0M | $45.7M | $32.1M | $4.5M | $318K | 0.82% | 5.14% | 0.36% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.12% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 27.1% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,959 |
| Q2 2024 | $52.8M | $47.5M | $30.5M | $4.4M | $148K | 0.56% | 4.66% | 0.26% | 6,963 |
Loan mix (Q2 2026): real estate $5.2M · commercial $0 · consumer $26.8M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 80.6% | 6th |
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 56th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Queens, NY | 1 | $46.4M* | 0.05% | 56th |
New York: 296th with 0.00% · New York-Newark-Jersey City metro: 208th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1