| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +6.6% | +0.9% | +5.7 pts |
| Loan growth (YoY) | +10.5% | -2.6% | +13.1 pts |
| ROA | 1.00% | 0.65% | +0.4 pts |
| ROE | 5.1% | 4.4% | +0.7 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.4M | $30.9M | $11.7M | $7.6M | $192K | 1.00% | 2.78% | 1.91% | 1,698 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.65% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,561 |
| Q2 2024 | $34.7M | $27.9M | $9.7M | $6.8M | $83K | 0.48% | 2.02% | 3.33% | 1,580 |
Loan mix (Q2 2026): real estate $10.6M · commercial $0 · consumer $861K · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 80.6% | 16th |
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: Bristol, MA, ranked 32nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bristol, MA | 1 | $30.9M* | 0.15% | 32nd |
Massachusetts: 192nd with 0.00% · Providence-Warwick metro: 49th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1