| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +1.3% | -3.2 pts |
| Share growth (YoY) | -3.8% | +0.9% | -4.7 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.3 pts |
| ROA | 0.90% | 0.65% | +0.3 pts |
| ROE | 5.9% | 4.4% | +1.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.9M | $57.8M | $21.2M | $10.7M | $315K | 0.90% | 3.36% | 1.57% | 4,111 |
| Q1 2026 | $70.4M | $58.6M | $19.0M | $10.5M | $156K | 0.89% | 3.23% | 1.77% | 4,143 |
| Q4 2025 | $70.2M | $58.5M | $19.3M | $10.4M | $762K | 1.09% | 3.46% | 1.77% | 4,153 |
| Q3 2025 | $70.0M | $58.5M | $20.1M | $10.1M | $558K | 1.06% | 3.53% | 1.83% | 4,290 |
| Q2 2025 | $71.2M | $60.1M | $20.6M | $9.9M | $316K | 0.89% | 3.45% | 1.58% | 4,335 |
| Q1 2025 | $71.4M | $60.5M | $20.6M | $9.7M | $108K | 0.60% | 3.32% | 0.03% | 4,366 |
| Q4 2024 | $70.0M | $59.1M | $20.8M | $9.6M | $522K | 0.75% | 3.37% | 0.02% | 4,381 |
| Q3 2024 | $68.5M | $57.7M | $20.9M | $9.4M | $382K | 0.74% | 3.05% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.65% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.4% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,508 |
| Q2 2024 | $60.8M | $51.9M | $19.4M | $7.6M | $182K | 0.60% | 3.19% | 0.00% | 3,902 |
Loan mix (Q2 2026): real estate $15.0M · commercial $0 · consumer $6.0M · securities $37.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 80.6% | 35th |
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.
4 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Middlesex, MA, ranked 58th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 4 | $57.8M* | 0.06% | 58th |
Massachusetts: 180th with 0.01% · Boston-Cambridge-Newton metro: 133rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 3 · 2025 3 · 2026 4