| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -10.1% | +0.9% | -11.0 pts |
| Loan growth (YoY) | -4.6% | -2.6% | -2.0 pts |
| ROA | 1.57% | 0.65% | +0.9 pts |
| ROE | 4.0% | 4.4% | -0.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $920K | $558K | $435K | $362K | $7K | 1.57% | 3.01% | 0.00% | 870 |
| Q1 2026 | $930K | $571K | $428K | $358K | $4K | 1.59% | 2.97% | 0.00% | 870 |
| Q4 2025 | $975K | $620K | $422K | $354K | $17K | 1.73% | 3.13% | 0.00% | 870 |
| Q3 2025 | $921K | $570K | $455K | $350K | $12K | 1.80% | 3.34% | 0.00% | 870 |
| Q2 2025 | $967K | $621K | $456K | $345K | $7K | 1.51% | 3.10% | 0.00% | 869 |
| Q1 2025 | $932K | $589K | $409K | $341K | $4K | 1.56% | 3.15% | 0.00% | 869 |
| Q4 2024 | $887K | $547K | $435K | $338K | $9K | 1.00% | 3.66% | 0.00% | 869 |
| Q3 2024 | $833K | $496K | $442K | $336K | $7K | 1.14% | 3.93% | 0.00% | 866 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.65% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $832K |
| $498K |
| $449K |
| $333K |
| $4K |
| 0.91% |
| 3.94% |
| 0.00% |
| 862 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $391K · securities $812
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 80.6% | 4th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Schenectady, NY, ranked 19th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Schenectady, NY | 3 | $558K* | 0.01% | 19th |
New York: 466th with 0.00% · Albany-Schenectady-Troy metro: 37th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3