| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -5.3% | -2.4% | -3.0 pts |
| ROA | -0.04% | 0.60% | -0.6 pts |
| ROE | -0.2% | 4.1% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.7M | $3.0M | $2.5M | $758K | $-403 | -0.04% | 4.99% | 4.65% | 591 |
| Q4 2025 | $3.5M | $2.8M | $2.5M | $758K | $491 | 0.01% | 5.24% | 3.26% | 597 |
| Q3 2025 | $3.7M | $2.9M | $2.6M | $758K | $633 | 0.02% | 5.02% | 2.71% | 602 |
| Q2 2025 | $3.8M | $3.0M | $2.6M | $757K | $-569 | -0.03% | 4.77% | 2.60% | 603 |
| Q1 2025 | $3.7M | $2.9M | $2.6M | $758K | $307 | 0.03% | 4.98% | 2.47% | 613 |
| Q4 2024 | $3.5M | $2.8M | $2.7M | $758K | $779 | 0.02% | 5.43% | 2.66% | 607 |
| Q3 2024 | $3.6M | $2.9M | $2.5M | $757K | $244 | 0.01% | 5.34% | 2.85% | 631 |
| Q2 2024 | $3.7M | $2.9M | $2.4M | $757K | $241 | 0.01% | 5.30% | 2.39% | 640 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $552K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.8% | 81.5% | 85th |
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 2024). Biggest market: South Central Connecticut, CT, ranked 42nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 1 | $3.0M* | 0.01% | 42nd |
Connecticut: 117th with 0.00% · New Haven metro: 42nd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1