| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.7% | +0.9% | -3.6 pts |
| Loan growth (YoY) | -9.5% | -2.6% | -6.8 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.3% | 4.4% | -1.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.2M | $7.2M | $3.0M | $974K | $16K | 0.40% | 3.57% | 0.54% | 1,361 |
| Q1 2026 | $8.1M | $7.2M | $3.0M | $968K | $10K | 0.50% | 3.62% | 0.00% | 1,375 |
| Q4 2025 | $8.1M | $7.1M | $3.0M | $958K | $48K | 0.59% | 3.74% | 0.20% | 1,383 |
| Q3 2025 | $8.4M | $7.4M | $3.1M | $943K | $33K | 0.53% | 3.67% | 0.30% | 1,371 |
| Q2 2025 | $8.3M | $7.4M | $3.3M | $923K | $14K | 0.33% | 3.57% | 0.11% | 1,380 |
| Q1 2025 | $8.2M | $7.2M | $3.3M | $915K | $5K | 0.24% | 3.45% | 0.11% | 1,399 |
| Q4 2024 | $7.6M | $6.7M | $3.5M | $910K | $7K | 0.10% | 3.67% | 1.01% | 1,408 |
| Q3 2024 | $8.3M | $7.3M | $3.6M | $899K | $-4K | -0.06% | 3.34% | 0.14% | 1,394 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.3M | $7.4M | $3.7M | $900K | $-2K | -0.05% | 3.32% | 0.00% | 1,411 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 80.6% | 70th |
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: Erie, NY, ranked 70th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $7.2M* | 0.01% | 70th |
New York: 407th with 0.00% · Buffalo-Cheektowaga metro: 78th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1