| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | +0.9% | +0.9% | -0.0 pts |
| Loan growth (YoY) | -24.4% | -2.6% | -21.7 pts |
| ROA | -0.42% | 0.65% | -1.1 pts |
| ROE | -3.6% | 4.4% | -8.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $22.1M | $19.5M | $11.0M | $2.6M | $-47K | -0.42% | 3.47% | 1.18% | 1,740 |
| Q1 2026 | $23.6M | $21.1M | $11.4M | $2.6M | $-85K | -1.43% | 3.20% | 1.11% | 1,767 |
| Q4 2025 | $22.2M | $19.5M | $12.5M | $2.6M | $-124K | -0.56% | 3.80% | 1.58% | 1,813 |
| Q3 2025 | $21.5M | $18.7M | $13.5M | $2.7M | $-64K | -0.40% | 3.98% | 1.68% | 1,858 |
| Q2 2025 | $22.2M | $19.3M | $14.5M | $2.9M | $108K | 0.97% | 3.85% | 7.54% | 1,899 |
| Q1 2025 | $21.8M | $19.3M | $15.0M | $2.8M | $67K | 1.23% | 4.05% | 3.25% | 1,914 |
| Q4 2024 | $20.5M | $18.1M | $15.9M | $2.8M | $140K | 0.68% | 3.27% | 2.71% | 1,018 |
| Q3 2024 | $14.2M | $12.5M | $11.6M | $1.9M | $94K | 0.89% | 4.16% | 2.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 4.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,078 |
| Q2 2024 | $14.7M | $12.8M | $12.0M | $1.8M | $46K | 0.63% | 4.00% | 1.03% | 1,098 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $8.5M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 80.6% | 67th |
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: Oneida, NY, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oneida, NY | 1 | $19.5M* | 0.27% | 18th |
New York: 357th with 0.00% · Utica-Rome metro: 18th, 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1