| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.2 pts |
| Loan growth (YoY) | -14.1% | -2.6% | -11.5 pts |
| ROA | -0.98% | 0.65% | -1.6 pts |
| ROE | -12.8% | 4.4% | -17.2 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $18.6M | $17.1M | $2.9M | $1.4M | $-91K | -0.98% | 1.13% | 0.00% | 1,002 |
| Q1 2026 | $18.3M | $16.7M | $2.9M | $1.4M | $-68K | -1.48% | 0.87% | 0.00% | 1,009 |
| Q4 2025 | $18.1M | $16.5M | $3.1M | $1.5M | $16K | 0.09% | 1.94% | 0.00% | 1,009 |
| Q3 2025 | $18.0M | $16.4M | $3.2M | $1.5M | $111 | 0.00% | 1.91% | 0.00% | 1,012 |
| Q2 2025 | $18.4M | $16.7M | $3.3M | $1.5M | $42K | 0.45% | 2.04% | 0.00% | 1,010 |
| Q1 2025 | $18.1M | $16.5M | $3.2M | $1.5M | $7K | 0.15% | 1.98% | 0.00% | 1,023 |
| Q4 2024 | $17.6M | $16.0M | $3.2M | $1.5M | $37K | 0.21% | 2.11% | 0.00% | 1,031 |
| Q3 2024 | $17.9M | $16.3M | $3.3M | $1.5M | $17K | 0.12% | 2.01% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.98% | 0.65% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -12.8% | 4.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,049 |
| Q2 2024 | $17.7M | $16.1M | $3.3M | $1.5M | $19K | 0.21% | 1.98% | 0.00% | 1,060 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.9M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 180.8% | 80.6% | 98th |
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 2025). Biggest market: Onondaga, NY, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Onondaga, NY | 3 | $17.1M* | 0.09% | 34th |
New York: 367th with 0.00% · Syracuse metro: 39th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3