| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +1.3% | -8.1 pts |
| Share growth (YoY) | -8.0% | +0.9% | -8.9 pts |
| Loan growth (YoY) | +36.9% | -2.6% | +39.5 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $189K | $159K | $123K | $30K | $489 | 0.52% | 4.63% | 0.74% | 170 |
| Q1 2026 | $201K | $171K | $120K | $29K | $-286 | -0.57% | 3.82% | 6.93% | 170 |
| Q4 2025 | $192K | $162K | $118K | $29K | $-595 | -0.31% | 4.78% | 4.32% | 169 |
| Q3 2025 | $192K | $162K | $87K | $30K | $214 | 0.15% | 4.95% | 1.82% | 172 |
| Q2 2025 | $203K | $172K | $90K | $30K | $207 | 0.20% | 5.20% | 0.00% | 172 |
| Q1 2025 | $205K | $173K | $99K | $31K | $1K | 2.29% | 5.70% | 0.00% | 173 |
| Q4 2024 | $199K | $168K | $108K | $30K | $273 | 0.14% | 4.36% | 0.00% | 173 |
| Q3 2024 | $201K | $171K | $89K | $30K | $198 | 0.13% | 4.16% | 0.00% | 170 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $211K |
| $181K |
| $89K |
| $30K |
| $631 |
| 0.60% |
| 3.72% |
| 0.00% |
| 170 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $111K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 80.6% | 71st |
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: Niagara, NY, ranked 20th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Niagara, NY | 1 | $159K* | 0.00% | 20th |
New York: 479th with 0.00% · Buffalo-Cheektowaga metro: 100th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1