| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.9% | +1.3% | -7.2 pts |
| Share growth (YoY) | -8.2% | +0.9% | -9.2 pts |
| Loan growth (YoY) | -24.6% | -2.6% | -22.0 pts |
| ROA | 0.64% | 0.65% | -0.0 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.4M | $2.0M | $1.3M | $401K | $8K | 0.64% | 3.89% | 0.00% | 452 |
| Q1 2026 | $2.4M | $2.0M | $1.4M | $401K | $7K | 1.12% | 4.07% | 0.22% | 478 |
| Q4 2025 | $2.5M | $2.1M | $1.5M | $395K | $34K | 1.39% | 4.81% | 0.21% | 477 |
| Q3 2025 | $2.4M | $2.0M | $1.6M | $384K | $24K | 1.31% | 5.04% | 1.58% | 470 |
| Q2 2025 | $2.6M | $2.2M | $1.7M | $372K | $11K | 0.88% | 4.86% | 1.51% | 475 |
| Q1 2025 | $2.6M | $2.3M | $1.8M | $362K | $2K | 0.29% | 4.80% | 1.80% | 477 |
| Q4 2024 | $2.7M | $2.4M | $1.7M | $361K | $32K | 1.16% | 4.24% | 0.02% | 474 |
| Q3 2024 | $2.6M | $2.3M | $1.6M | $364K | $35K | 1.79% | 4.42% | 2.24% | 473 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.65% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.8M |
| $2.4M |
| $1.7M |
| $352K |
| $23K |
| 1.61% |
| 4.18% |
| 0.61% |
| 473 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $853K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 80.6% | 57th |
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: Norfolk, MA, ranked 57th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk, MA | 1 | $2.0M* | 0.00% | 57th |
Massachusetts: 239th with 0.00% · Boston-Cambridge-Newton metro: 186th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1