| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +9.9% | +0.7% | +9.3 pts |
| Loan growth (YoY) | +10.4% | -2.4% | +12.8 pts |
| ROA | 7.68% | 0.60% | +7.1 pts |
| ROE | 60.9% | 4.1% | +56.8 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.4M | $39.4M | $36.8M | $6.0M | $910K | 7.68% | 4.86% | 5.69% | 3,685 |
| Q4 2025 | $46.4M | $38.3M | $36.1M | $5.3M | $1.7M | 3.65% | 4.70% | 5.19% | 3,611 |
| Q3 2025 | $43.2M | $34.9M | $34.9M | $5.2M | $1.6M | 4.99% | 5.04% | 6.00% | 3,614 |
| Q2 2025 | $44.0M | $35.3M | $33.6M | $5.2M | $1.5M | 6.81% | 4.83% | 6.49% | 3,606 |
| Q1 2025 | $44.7M | $35.9M | $33.3M | $5.0M | $1.3M | 11.58% | 4.97% | 6.14% | 3,618 |
| Q4 2024 | $41.0M | $33.0M | $33.7M | $3.9M | $944K | 2.30% | 4.73% | 7.34% | 3,608 |
| Q3 2024 | $41.4M | $32.9M | $32.7M | $3.4M | $403K | 1.30% | 4.69% | 7.40% | 3,629 |
| Q2 2024 | $42.5M | $34.0M | $31.8M | $3.5M | $369K | 1.73% | 4.48% | 8.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 7.68% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 60.9% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,740 |
Loan mix (Q1 2026): real estate $28.4M · commercial $2.6M · consumer $4.8M · securities $432K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 81.5% | 5th |
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 (-1 vs 2024). Biggest market: Onondaga, NY, ranked 28th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Onondaga, NY | 3 | $35.3M* | 0.21% | 28th |
New York: 313th with 0.00% · Syracuse metro: 33rd, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 4 · 2025 3