| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +5.7% | +0.9% | +4.8 pts |
| Loan growth (YoY) | -2.3% | -2.6% | +0.3 pts |
| ROA | 1.07% | 0.65% | +0.4 pts |
| ROE | 8.5% | 4.4% | +4.1 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.4M | $37.7M | $17.9M | $5.4M | $231K | 1.07% | 4.13% | 0.30% | 3,389 |
| Q1 2026 | $43.0M | $37.5M | $18.0M | $5.3M | $107K | 1.00% | 4.15% | 0.07% | 3,386 |
| Q4 2025 | $42.5M | $37.1M | $18.1M | $5.2M | $517K | 1.21% | 4.29% | 0.41% | 3,440 |
| Q3 2025 | $41.1M | $36.0M | $18.1M | $5.1M | $361K | 1.17% | 4.40% | 0.06% | 3,420 |
| Q2 2025 | $40.9M | $35.7M | $18.3M | $4.9M | $241K | 1.18% | 4.32% | 0.10% | 3,422 |
| Q1 2025 | $40.4M | $35.5M | $18.1M | $4.8M | $118K | 1.17% | 4.28% | 0.03% | 3,445 |
| Q4 2024 | $38.8M | $33.9M | $17.9M | $4.7M | $693K | 1.79% | 4.46% | 0.46% | 3,487 |
| Q3 2024 | $39.1M | $34.1M | $18.2M | $4.5M | $529K | 1.80% | 4.41% | 0.31% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,524 |
| Q2 2024 | $38.7M | $34.1M | $18.0M | $4.4M | $379K | 1.96% | 4.35% | 0.14% | 3,504 |
Loan mix (Q2 2026): real estate $3.6M · commercial $0 · consumer $10.9M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 80.6% | 36th |
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: Chemung, NY, ranked 8th with 1.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chemung, NY | 1 | $37.7M* | 1.55% | 8th |
New York: 314th with 0.00% · Elmira metro: 8th, 1.55% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1