| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.7 pts |
| Loan growth (YoY) | +0.1% | -2.6% | +2.7 pts |
| ROA | 1.37% | 0.65% | +0.7 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $59.9M | $50.6M | $21.9M | $9.0M | $410K | 1.37% | 3.43% | 0.76% | 3,615 |
| Q1 2026 | $59.4M | $50.1M | $22.0M | $8.8M | $227K | 1.53% | 3.41% | 0.09% | 3,627 |
| Q4 2025 | $58.2M | $49.3M | $22.0M | $8.6M | $727K | 1.25% | 3.21% | 0.88% | 3,667 |
| Q3 2025 | $57.6M | $48.9M | $22.2M | $8.4M | $563K | 1.30% | 3.12% | 0.91% | 3,675 |
| Q2 2025 | $57.8M | $49.3M | $21.9M | $8.2M | $302K | 1.04% | 2.96% | 0.06% | 3,705 |
| Q1 2025 | $57.1M | $48.7M | $21.5M | $8.0M | $149K | 1.04% | 2.93% | 0.24% | 3,734 |
| Q4 2024 | $55.2M | $47.0M | $22.0M | $7.9M | $485K | 0.88% | 2.88% | 0.29% | 3,765 |
| Q3 2024 | $55.6M | $47.6M | $21.5M | $7.7M | $345K | 0.83% | 2.79% | 0.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,772 |
| Q2 2024 | $56.1M | $48.0M | $21.6M | $7.6M | $172K | 0.61% | 2.65% | 0.27% | 3,811 |
Loan mix (Q2 2026): real estate $3.7M · commercial $0 · consumer $13.2M · securities $31.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 80.6% | 23rd |
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 3 counties across 2 states (+2 vs 2025). Biggest market: Montgomery, NY, ranked 10th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, NY | 1 | $16.9M* | 1.12% | 10th |
| Herkimer, NY | 1 | $16.9M* | 1.36% | 9th |
| Salt Lake, UT | 1 | $16.9M* | 0.00% | 96th |
New York: 318th with 0.00% · Utah: 124th with 0.00% · Salt Lake City-Murray metro: 96th, 0.00% · Utica-Rome metro: 19th, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3