| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.1 pts |
| Loan growth (YoY) | -13.2% | -2.6% | -10.6 pts |
| ROA | 1.00% | 0.65% | +0.3 pts |
| ROE | 7.5% | 4.4% | +3.2 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.9M | $32.0M | $7.5M | $4.9M | $184K | 1.00% | 2.69% | 0.67% | 2,050 |
| Q1 2026 | $36.5M | $31.7M | $7.9M | $4.8M | $73K | 0.80% | 2.56% | 1.16% | 2,152 |
| Q4 2025 | $36.2M | $31.5M | $8.2M | $4.7M | $273K | 0.75% | 2.54% | 0.98% | 2,167 |
| Q3 2025 | $36.6M | $31.9M | $8.6M | $4.6M | $171K | 0.62% | 2.41% | 2.10% | 2,115 |
| Q2 2025 | $36.6M | $32.0M | $8.7M | $4.5M | $103K | 0.56% | 2.37% | 2.16% | 2,131 |
| Q1 2025 | $36.5M | $32.0M | $8.7M | $4.5M | $39K | 0.43% | 2.28% | 0.19% | 2,151 |
| Q4 2024 | $35.9M | $31.4M | $8.9M | $4.4M | $130K | 0.36% | 2.19% | 0.09% | 2,170 |
| Q3 2024 | $36.4M | $31.9M | $8.9M | $4.4M | $126K | 0.46% | 2.18% | 0.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,220 |
| Q2 2024 | $37.3M | $32.9M | $9.2M | $4.4M | $84K | 0.45% | 2.16% | 1.15% | 2,230 |
Loan mix (Q2 2026): real estate $4.8M · commercial $0 · consumer $2.6M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 80.6% | 20th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Essex, MA, ranked 46th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Essex, MA | 2 | $32.0M* | 0.09% | 46th |
Massachusetts: 190th with 0.00% · Boston-Cambridge-Newton metro: 141st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2