| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.8% | +0.9% | +3.8 pts |
| Loan growth (YoY) | +11.3% | -2.6% | +13.9 pts |
| ROA | 0.75% | 0.65% | +0.1 pts |
| ROE | 6.8% | 4.4% | +2.4 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.9M | $21.2M | $17.0M | $2.6M | $90K | 0.75% | 3.62% | 0.15% | 1,849 |
| Q1 2026 | $24.0M | $21.4M | $15.3M | $2.6M | $48K | 0.79% | 3.50% | 0.08% | 1,852 |
| Q4 2025 | $23.2M | $20.6M | $15.0M | $2.6M | $164K | 0.71% | 3.49% | 0.23% | 1,840 |
| Q3 2025 | $23.0M | $20.4M | $15.3M | $2.5M | $117K | 0.68% | 3.50% | 1.31% | 1,867 |
| Q2 2025 | $22.8M | $20.3M | $15.3M | $2.4M | $64K | 0.56% | 3.48% | 0.61% | 1,878 |
| Q1 2025 | $22.7M | $20.2M | $15.2M | $2.4M | $27K | 0.48% | 3.39% | 0.19% | 1,870 |
| Q4 2024 | $22.8M | $20.3M | $15.0M | $2.4M | $145K | 0.64% | 3.27% | 0.25% | 1,878 |
| Q3 2024 | $21.4M | $19.0M | $15.0M | $2.4M | $112K | 0.70% | 3.47% | 4.13% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Rah Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,885 |
| Q2 2024 | $21.7M | $19.3M | $15.1M | $2.3M | $72K | 0.66% | 3.35% | 0.11% | 1,902 |
Loan mix (Q2 2026): real estate $13.4M · commercial $0 · consumer $3.3M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 80.6% | 50th |
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 | Rah Federal Credit Union | 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 | Rah Federal Credit Union | 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 | Rah Federal Credit Union | 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 | Rah Federal Credit Union | 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 | Rah Federal Credit Union | 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 3 counties across 2 states (+2 vs 2025). Biggest market: Bristol, MA, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol, MA | 1 | $7.1M* | 0.03% | 36th |
| Norfolk, MA | 1 | $7.1M* | 0.01% | 56th |
| Erie, NY | 1 | $7.1M* | 0.01% | 71st |
Massachusetts: 215th with 0.00% · New York: 409th with 0.00% · Buffalo-Cheektowaga metro: 79th, 0.01% · Providence-Warwick metro: 54th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3