| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.8% | +0.7 pts |
| Share growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +9.1% | +4.3% | +4.8 pts |
| ROA | 1.39% | 0.62% | +0.8 pts |
| ROE | 9.4% | 5.9% | +3.5 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $519.0M | $437.9M | $374.4M | $76.6M | $1.8M | 1.39% | 4.14% | 0.55% | 43,467 |
| Q4 2025 | $506.4M | $426.7M | $364.6M | $74.8M | $4.3M | 0.84% | 3.80% | 0.46% | 39,492 |
| Q3 2025 | $495.1M | $416.0M | $358.1M | $73.9M | $3.4M | 0.91% | 3.81% | 0.68% | 39,170 |
| Q2 2025 | $499.3M | $421.4M | $352.8M | $72.7M | $2.2M | 0.88% | 3.71% | 0.68% | 38,741 |
| Q1 2025 | $491.9M | $414.6M | $343.2M | $71.5M | $1.0M | 0.84% | 3.63% | 0.54% | 38,497 |
| Q4 2024 | $473.6M | $398.4M | $337.7M | $70.6M | $5.9M | 1.24% | 3.53% | 0.89% | 38,089 |
| Q3 2024 | $469.3M | $394.9M | $331.8M | $69.6M | $4.9M | 1.38% | 3.49% | 0.95% | 37,849 |
| Q2 2024 | $474.1M | $399.8M | $329.4M | $67.9M | $3.2M | 1.34% | 3.37% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.62% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 37,488 |
Loan mix (Q1 2026): real estate $147.6M · commercial $0 · consumer $202.1M · securities $80.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 78.3% | 21st |
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.
8 branches in 3 counties across 1 state (+1 vs 2024). Biggest market: Steuben, NY, ranked 5th with 9.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Steuben, NY | 5 | $263.4M* | 9.27% | 5th |
| Yates, NY | 2 | $105.3M* | 15.19% | 4th |
| Allegany, NY | 1 | $52.7M* | 6.69% | 3rd |
New York: 145th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 8