| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +1.3% | -5.3 pts |
| Share growth (YoY) | -0.6% | +0.9% | -1.5 pts |
| Loan growth (YoY) | -7.4% | -2.6% | -4.8 pts |
| ROA | -2.63% | 0.65% | -3.3 pts |
| ROE | -10.9% | 4.4% | -15.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.4M | $4.1M | $1.7M | $1.3M | $-72K | -2.63% | 4.37% | 0.68% | 862 |
| Q1 2026 | $5.6M | $4.2M | $1.7M | $1.3M | $-50K | -3.60% | 4.30% | 0.69% | 856 |
| Q4 2025 | $5.5M | $4.1M | $1.9M | $1.4M | $-155K | -2.83% | 4.97% | 3.48% | 832 |
| Q3 2025 | $5.7M | $4.0M | $2.0M | $1.5M | $-27K | -0.63% | 4.72% | 7.42% | 837 |
| Q2 2025 | $5.7M | $4.1M | $1.9M | $1.5M | $-28K | -1.00% | 4.81% | 5.74% | 866 |
| Q1 2025 | $5.8M | $4.1M | $1.8M | $1.5M | $-35K | -2.44% | 4.69% | 2.79% | 870 |
| Q4 2024 | $5.8M | $4.1M | $1.7M | $1.5M | $61K | 1.04% | 5.14% | 3.52% | 867 |
| Q3 2024 | $5.8M | $4.3M | $1.7M | $1.5M | $53K | 1.21% | 5.22% | 0.54% | 868 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.63% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -10.9% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.7M | $4.2M | $1.7M | $1.5M | $33K | 1.17% | 5.30% | 1.06% | 834 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.7M · securities $25K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 128.2% | 80.6% | 97th |
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: South Central Connecticut, CT, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 1 | $4.1M* | 0.02% | 40th |
Connecticut: 117th with 0.00% · New Haven metro: 40th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1