| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +1.9% | +0.9% | +0.9 pts |
| Loan growth (YoY) | +12.3% | -2.6% | +14.9 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 9.8% | 4.4% | +5.4 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.3M | $42.8M | $18.9M | $4.2M | $206K | 0.87% | 3.34% | 0.81% | 4,505 |
| Q1 2026 | $44.7M | $40.3M | $18.4M | $4.1M | $90K | 0.81% | 3.54% | 0.66% | 4,408 |
| Q4 2025 | $47.1M | $43.2M | $18.2M | $3.9M | $808K | 1.71% | 3.08% | 0.68% | 4,367 |
| Q3 2025 | $46.0M | $42.2M | $17.9M | $3.7M | $529K | 1.53% | 3.09% | 0.76% | 4,298 |
| Q2 2025 | $45.8M | $42.0M | $16.8M | $3.5M | $319K | 1.39% | 2.98% | 0.56% | 4,193 |
| Q1 2025 | $49.6M | $46.1M | $16.1M | $3.3M | $101K | 0.82% | 2.54% | 0.26% | 4,109 |
| Q4 2024 | $46.2M | $42.9M | $15.6M | $3.2M | $528K | 1.14% | 2.43% | 0.93% | 4,040 |
| Q3 2024 | $41.7M | $38.4M | $15.2M | $3.1M | $376K | 1.20% | 2.63% | 0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,948 |
| Q2 2024 | $42.5M | $39.5M | $14.7M | $2.9M | $203K | 0.96% | 2.37% | 0.42% | 3,825 |
Loan mix (Q2 2026): real estate $3.9M · commercial $0 · consumer $14.2M · securities $13.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 80.6% | 14th |
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: Saratoga, NY, ranked 23rd with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Saratoga, NY | 1 | $42.8M* | 0.47% | 23rd |
New York: 302nd with 0.00% · Albany-Schenectady-Troy metro: 30th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1