| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.3 pts |
| Share growth (YoY) | -3.3% | +0.9% | -4.2 pts |
| Loan growth (YoY) | +111.6% | -2.6% | +114.3 pts |
| ROA | 3.37% | 0.65% | +2.7 pts |
| ROE | 9.5% | 4.4% | +5.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.3M | $799K | $127K | $449K | $21K | 3.37% | 4.61% | 10.67% | 297 |
| Q1 2026 | $1.3M | $818K | $119K | $432K | $4K | 1.21% | 2.10% | 11.49% | 299 |
| Q4 2025 | $1.3M | $819K | $125K | $428K | $9K | 0.69% | 1.72% | 10.93% | 298 |
| Q3 2025 | $1.3M | $827K | $57K | $427K | $8K | 0.83% | 1.90% | 23.92% | 309 |
| Q2 2025 | $1.3M | $826K | $60K | $424K | $5K | 0.74% | 1.97% | 23.65% | 309 |
| Q1 2025 | $1.3M | $828K | $60K | $419K | $-77 | -0.02% | 1.44% | 23.65% | 309 |
| Q4 2024 | $1.3M | $827K | $57K | $419K | $15K | 1.15% | 2.11% | 26.07% | 305 |
| Q3 2024 | $1.3M | $858K | $61K | $414K | $9K | 0.97% | 1.89% | 18.80% | 317 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.37% | 0.65% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.3M |
| $889K |
| $69K |
| $411K |
| $7K |
| 1.02% |
| 1.88% |
| 21.76% |
| 321 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $94K · securities $626K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 27.6% | 80.6% | 0th |
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 (+1 vs 2025). Biggest market: New York, NY, ranked 106th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $799K* | 0.00% | 106th |
New York: 461st with 0.00% · New York-Newark-Jersey City metro: 324th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2