| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +6.4% | +0.7% | +5.8 pts |
| Loan growth (YoY) | +13.3% | -2.4% | +15.6 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.8M | $30.3M | $12.0M | $7.4M | $79K | 0.83% | 2.77% | 2.99% | 1,649 |
| Q4 2025 | $36.5M | $29.1M | $11.4M | $7.4M | $432K | 1.18% | 2.73% | 2.16% | 1,622 |
| Q3 2025 | $36.6M | $29.4M | $11.1M | $7.2M | $297K | 1.08% | 2.64% | 3.52% | 1,669 |
| Q2 2025 | $36.1M | $28.9M | $10.6M | $7.1M | $177K | 0.98% | 2.57% | 2.36% | 1,787 |
| Q1 2025 | $35.5M | $28.5M | $10.6M | $7.0M | $77K | 0.86% | 2.35% | 2.00% | 1,796 |
| Q4 2024 | $34.9M | $27.9M | $10.2M | $7.0M | $255K | 0.73% | 2.18% | 2.11% | 1,493 |
| Q3 2024 | $34.5M | $27.6M | $9.9M | $6.8M | $147K | 0.57% | 2.16% | 2.41% | 1,561 |
| Q2 2024 | $34.7M | $27.9M | $9.7M | $6.8M | $83K | 0.48% | 2.02% | 3.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | — | — | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | — | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | — | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% |
Peer lists, growth filters, CSV export, CRM push.
| 1,580 |
Loan mix (Q1 2026): real estate $10.9M · commercial $0 · consumer $766K · securities $20.7M
| — |
| — |
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 2024). Biggest market: Bristol, MA, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol, MA | 1 | $28.9M* | 0.15% | 31st |
Massachusetts: 192nd with 0.00% · Providence-Warwick metro: 47th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1