| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.5% | +4.1% | -12.7 pts |
| Share growth (YoY) | -7.4% | +3.5% | -11.0 pts |
| Loan growth (YoY) | -9.3% | +2.9% | -12.2 pts |
| ROA | 1.51% | 0.74% | +0.8 pts |
| ROE | 19.8% | 6.5% | +13.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.5M | $105.2M | $86.8M | $8.8M | $870K | 1.51% | 4.36% | 1.43% | 8,354 |
| Q1 2026 | $116.1M | $106.5M | $89.7M | $7.9M | $-23K | -0.08% | 4.32% | 0.46% | 8,361 |
| Q4 2025 | $118.6M | $106.1M | $91.8M | $8.0M | $271K | 0.23% | 4.35% | 0.83% | 8,844 |
| Q3 2025 | $120.0M | $107.5M | $93.7M | $8.0M | $182K | 0.20% | 4.30% | 1.02% | 8,922 |
| Q2 2025 | $126.3M | $113.6M | $95.7M | $7.9M | $73K | 0.11% | 4.05% | 0.82% | 8,930 |
| Q1 2025 | $125.8M | $113.4M | $95.5M | $7.8M | $-79K | -0.25% | 4.01% | 0.68% | 8,933 |
| Q4 2024 | $124.6M | $110.7M | $95.8M | $7.9M | $-1.7M | -1.37% | 3.96% | 0.99% | 9,194 |
| Q3 2024 | $124.6M | $109.1M | $96.2M | $7.9M | $-1.7M | -1.87% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.74% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 6.5% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 9,198 |
| Q2 2024 | $129.7M | $115.0M | $97.0M | $8.6M | $-1.0M | -1.59% | 3.77% | 1.61% | 9,203 |
Loan mix (Q2 2026): real estate $60.8M · commercial $2.3M · consumer $23.6M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 77.5% | 46th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Western Connecticut, CT, ranked 26th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 3 | $105.2M* | 0.16% | 26th |
Connecticut: 66th with 0.05% · Bridgeport-Stamford-Danbury metro: 26th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 4 · 2024 4 · 2025 3 · 2026 3