| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | +1.1% | -2.6% | +3.7 pts |
| ROA | -0.05% | 0.65% | -0.7 pts |
| ROE | -0.3% | 4.4% | -4.7 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.0M | $9.3M | $4.0M | $1.7M | $-3K | -0.05% | 4.60% | 1.26% | 1,268 |
| Q1 2026 | $10.8M | $9.1M | $3.9M | $1.7M | $7K | 0.25% | 4.73% | 1.89% | 1,269 |
| Q4 2025 | $10.7M | $9.0M | $4.1M | $1.7M | $5K | 0.05% | 4.58% | 2.80% | 1,276 |
| Q3 2025 | $10.9M | $9.2M | $4.2M | $1.7M | $-6K | -0.07% | 4.43% | 2.85% | 1,280 |
| Q2 2025 | $11.0M | $9.3M | $4.0M | $1.7M | $20K | 0.36% | 4.26% | 3.00% | 1,280 |
| Q1 2025 | $10.4M | $8.7M | $3.8M | $1.7M | $7K | 0.27% | 4.54% | 3.38% | 1,285 |
| Q4 2024 | $10.0M | $8.3M | $3.9M | $1.7M | $93K | 0.93% | 4.94% | 2.06% | 1,294 |
| Q3 2024 | $10.1M | $8.4M | $3.9M | $1.7M | $67K | 0.89% | 4.89% | 1.22% | 1,305 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.05% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.1M | $8.4M | $3.8M | $1.7M | $64K | 1.27% | 4.85% | 1.69% | 1,323 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 80.6% | 73rd |
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 (+1 vs 2025). Biggest market: Orange, NY, ranked 30th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orange, NY | 1 | $4.6M* | 0.03% | 30th |
| Westchester, NY | 1 | $4.6M* | 0.00% | 44th |
New York: 399th with 0.00% · Kiryas Joel-Poughkeepsie-Newburgh metro: 34th, 0.02% · New York-Newark-Jersey City metro: 288th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2