| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.5% | +0.9% | +1.5 pts |
| Loan growth (YoY) | -7.1% | -2.6% | -4.5 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 7.2% | 4.4% | +2.8 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.6M | $5.2M | $3.5M | $398K | $14K | 0.51% | 4.72% | 0.93% | 645 |
| Q1 2026 | $5.7M | $5.2M | $3.5M | $389K | $5K | 0.36% | 4.58% | 1.85% | 645 |
| Q4 2025 | $5.5M | $5.0M | $3.5M | $384K | $22K | 0.40% | 4.82% | 1.89% | 645 |
| Q3 2025 | $5.3M | $4.9M | $3.7M | $373K | $11K | 0.27% | 4.86% | 1.68% | 656 |
| Q2 2025 | $5.4M | $5.1M | $3.8M | $368K | $5K | 0.19% | 4.65% | 0.94% | 650 |
| Q1 2025 | $5.2M | $4.8M | $3.8M | $363K | $133 | 0.01% | 4.82% | 0.29% | 663 |
| Q4 2024 | $5.1M | $4.7M | $3.7M | $362K | $7K | 0.13% | 4.71% | 0.52% | 670 |
| Q3 2024 | $5.1M | $4.7M | $3.7M | $369K | $13K | 0.34% | 4.73% | 0.89% | 670 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $5.2M |
| $4.8M |
| $3.9M |
| $367K |
| $11K |
| 0.43% |
| 4.57% |
| 1.57% |
| 669 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 80.6% | 72nd |
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: Schenectady, NY, ranked 17th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schenectady, NY | 1 | $5.2M* | 0.09% | 17th |
New York: 424th with 0.00% · Albany-Schenectady-Troy metro: 35th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1