| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -8.2% | -2.6% | -5.6 pts |
| ROA | -1.03% | 0.65% | -1.7 pts |
| ROE | -12.2% | 4.4% | -16.6 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $21.5M | $20.7M | $3.7M | $1.8M | $-110K | -1.03% | 1.65% | 1.73% | 1,621 |
| Q1 2026 | $21.9M | $21.0M | $3.8M | $1.9M | $-53K | -0.98% | 1.64% | 0.97% | 1,633 |
| Q4 2025 | $21.6M | $20.7M | $4.1M | $1.9M | $-117K | -0.54% | 1.65% | 0.91% | 1,636 |
| Q3 2025 | $21.1M | $20.3M | $4.0M | $2.0M | $-74K | -0.47% | 1.67% | 0.85% | 1,642 |
| Q2 2025 | $21.6M | $21.0M | $4.0M | $2.0M | $-55K | -0.50% | 1.59% | 0.05% | 1,649 |
| Q1 2025 | $21.8M | $21.3M | $4.2M | $2.1M | $-12K | -0.22% | 1.56% | 0.89% | 1,664 |
| Q4 2024 | $21.4M | $20.9M | $4.5M | $2.1M | $2K | 0.01% | 1.74% | 1.42% | 1,690 |
| Q3 2024 | $22.1M | $21.5M | $4.9M | $2.0M | $-64K | -0.39% | 1.72% | 0.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.03% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -12.2% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,713 |
| Q2 2024 | $21.9M | $21.9M | $5.3M | $2.0M | $-58K | -0.53% | 1.76% | 1.73% | 1,729 |
Loan mix (Q2 2026): real estate $1.8M · commercial $0 · consumer $1.8M · securities $15.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 133.7% | 80.6% | 97th |
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: Greater Bridgeport, CT, ranked 23rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greater Bridgeport, CT | 1 | $20.7M* | 0.15% | 23rd |
Connecticut: 101st with 0.01% · Bridgeport-Stamford-Danbury metro: 39th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1