| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +1.3% | -0.9 pts |
| Share growth (YoY) | +3.6% | +0.9% | +2.7 pts |
| Loan growth (YoY) | +9.8% | -2.6% | +12.5 pts |
| ROA | 0.94% | 0.65% | +0.3 pts |
| ROE | 10.3% | 4.4% | +5.9 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.5M | $17.5M | $11.6M | $1.7M | $87K | 0.94% | 4.03% | 0.08% | 1,979 |
| Q1 2026 | $19.2M | $17.5M | $11.4M | $1.6M | $40K | 0.83% | 3.79% | 0.10% | 1,978 |
| Q4 2025 | $18.3M | $16.6M | $11.3M | $1.6M | $171K | 0.94% | 4.16% | 0.28% | 1,979 |
| Q3 2025 | $17.9M | $16.3M | $11.3M | $1.6M | $136K | 1.01% | 4.24% | 0.32% | 2,111 |
| Q2 2025 | $18.5M | $16.9M | $10.6M | $1.5M | $86K | 0.93% | 4.04% | 0.10% | 2,964 |
| Q1 2025 | $18.5M | $17.0M | $10.8M | $1.5M | $43K | 0.93% | 4.06% | 0.40% | 2,951 |
| Q4 2024 | $18.4M | $16.9M | $10.6M | $1.4M | $169K | 0.92% | 3.56% | 0.31% | 2,935 |
| Q3 2024 | $16.8M | $15.4M | $10.4M | $1.3M | $72K | 0.57% | 3.82% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,915 |
| Q2 2024 | $16.8M | $15.4M | $10.4M | $1.3M | $39K | 0.46% | 3.77% | 0.24% | 2,896 |
Loan mix (Q2 2026): real estate $7.8M · commercial $0 · consumer $3.6M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 80.6% | 43rd |
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 (+0 vs 2025). Biggest market: Bristol, MA, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol, MA | 2 | $17.5M* | 0.08% | 33rd |
Massachusetts: 210th with 0.00% · Providence-Warwick metro: 51st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2