| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +1.3% | +10.1 pts |
| Share growth (YoY) | +11.2% | +0.9% | +10.3 pts |
| Loan growth (YoY) | +0.7% | -2.6% | +3.3 pts |
| ROA | 1.09% | 0.65% | +0.4 pts |
| ROE | 8.1% | 4.4% | +3.7 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.5M | $8.2M | $5.2M | $1.3M | $52K | 1.09% | 4.46% | 1.43% | 2,686 |
| Q1 2026 | $9.8M | $8.6M | $5.3M | $1.2M | $-9K | -0.38% | 4.21% | 0.91% | 2,657 |
| Q4 2025 | $8.6M | $7.3M | $5.4M | $1.2M | $188K | 2.19% | 4.55% | 3.36% | 2,635 |
| Q3 2025 | $8.8M | $7.7M | $5.5M | $1.1M | $34K | 0.51% | 4.36% | 2.85% | 2,659 |
| Q2 2025 | $8.6M | $7.4M | $5.1M | $1.1M | $14K | 0.33% | 4.42% | 2.81% | 2,584 |
| Q1 2025 | $8.7M | $7.6M | $5.0M | $1.0M | $3K | 0.14% | 4.33% | 2.78% | 2,538 |
| Q4 2024 | $8.0M | $6.9M | $5.0M | $1.0M | $289K | 3.60% | 4.61% | 3.20% | 2,497 |
| Q3 2024 | $8.0M | $6.9M | $5.0M | $985K | $230K | 3.84% | 4.62% | 2.70% | 2,509 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.0M | $6.8M | $5.0M | $964K | $209K | 5.23% | 4.49% | 2.86% | 2,460 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $110K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 80.6% | 54th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Cattaraugus, NY, ranked 12th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cattaraugus, NY | 1 | $4.1M* | 0.20% | 12th |
| Erie, NY | 1 | $4.1M* | 0.01% | 79th |
New York: 403rd with 0.00% · Buffalo-Cheektowaga metro: 87th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2