| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.6 pts |
| Share growth (YoY) | -10.3% | +0.9% | -11.3 pts |
| Loan growth (YoY) | -17.4% | -2.6% | -14.8 pts |
| ROA | 0.03% | 0.65% | -0.6 pts |
| ROE | 0.2% | 4.4% | -4.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77K | $63K | $34K | $14K | $12 | 0.03% | 4.38% | 0.00% | 105 |
| Q1 2026 | $78K | $63K | $36K | $15K | $624 | 3.22% | 4.62% | 0.00% | 105 |
| Q4 2025 | $77K | $63K | $38K | $14K | $2K | 1.98% | 5.95% | 0.00% | 105 |
| Q3 2025 | $78K | $64K | $40K | $13K | $2K | 3.62% | 5.64% | 0.00% | 105 |
| Q2 2025 | $83K | $70K | $41K | $13K | $1K | 2.74% | 6.25% | 0.00% | 105 |
| Q1 2025 | $83K | $70K | $43K | $12K | $411 | 1.98% | 8.20% | 0.00% | 105 |
| Q4 2024 | $81K | $69K | $45K | $12K | $3K | 3.22% | 4.76% | 0.00% | 105 |
| Q3 2024 | $80K | $68K | $43K | $11K | $2K | 3.39% | 5.01% | 0.00% | 105 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.65% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $90K |
| $79K |
| $43K |
| $11K |
| $2K |
| 3.42% |
| 5.24% |
| 0.00% |
| 105 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $34K · securities $27K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.4% | 80.6% | 86th |
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: New York, NY, ranked 111th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $63K* | 0.00% | 111th |
New York: 481st with 0.00% · New York-Newark-Jersey City metro: 343rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1