| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +1.4% | +0.9% | +0.5 pts |
| Loan growth (YoY) | +18.7% | -2.6% | +21.3 pts |
| ROA | 0.85% | 0.65% | +0.2 pts |
| ROE | 6.7% | 4.4% | +2.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $393K | $343K | $58K | $50K | $2K | 0.85% | 4.04% | 16.02% | 148 |
| Q1 2026 | $375K | $325K | $64K | $50K | $1K | 1.32% | 4.46% | 0.00% | 187 |
| Q4 2025 | $373K | $324K | $72K | $49K | $11K | 2.92% | 6.65% | 14.77% | 298 |
| Q3 2025 | $383K | $335K | $63K | $48K | $675 | 0.23% | 3.80% | 18.16% | 298 |
| Q2 2025 | $387K | $338K | $49K | $49K | $1K | 0.54% | 3.72% | 23.58% | 298 |
| Q1 2025 | $390K | $342K | $53K | $48K | $641 | 0.66% | 3.29% | 2.17% | 298 |
| Q4 2024 | $390K | $343K | $59K | $48K | $4K | 0.92% | 4.36% | 0.00% | 298 |
| Q3 2024 | $406K | $357K | $64K | $48K | $4K | 1.45% | 4.15% | 0.00% | 260 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.65% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $400K |
| $354K |
| $61K |
| $46K |
| $2K |
| 1.14% |
| 3.84% |
| 0.00% |
| 296 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $49K · securities $257K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 80.6% | 56th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Kings, NY, ranked 53rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 2 | $343K* | 0.00% | 53rd |
New York: 472nd with 0.00% · New York-Newark-Jersey City metro: 334th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2