| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.6% | +0.9% | +1.7 pts |
| Loan growth (YoY) | +0.8% | -2.6% | +3.4 pts |
| ROA | 1.33% | 0.65% | +0.7 pts |
| ROE | 7.7% | 4.4% | +3.3 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.1M | $31.6M | $12.8M | $6.5M | $253K | 1.33% | 2.76% | 0.00% | 1,483 |
| Q1 2026 | $37.8M | $31.4M | $13.0M | $6.4M | $120K | 1.27% | 2.72% | 0.00% | 1,483 |
| Q4 2025 | $36.4M | $30.1M | $13.0M | $6.3M | $477K | 1.31% | 2.81% | 0.02% | 1,475 |
| Q3 2025 | $37.3M | $31.1M | $13.2M | $6.2M | $379K | 1.35% | 2.75% | 0.12% | 1,486 |
| Q2 2025 | $36.8M | $30.8M | $12.7M | $6.0M | $225K | 1.22% | 2.65% | 0.14% | 1,479 |
| Q1 2025 | $36.4M | $30.5M | $12.3M | $5.9M | $100K | 1.10% | 2.63% | 0.17% | 1,479 |
| Q4 2024 | $36.1M | $30.3M | $12.9M | $5.8M | $435K | 1.20% | 2.57% | 0.14% | 1,492 |
| Q3 2024 | $36.1M | $30.4M | $13.3M | $5.7M | $322K | 1.19% | 2.54% | 0.14% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.4% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,493 |
| Q2 2024 | $35.1M | $29.5M | $13.6M | $5.6M | $197K | 1.12% | 2.50% | 0.00% | 1,492 |
Loan mix (Q2 2026): real estate $7.0M · commercial $566K · consumer $4.3M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 80.6% | 10th |
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: Erie, NY, ranked 46th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $31.6M* | 0.05% | 46th |
New York: 320th with 0.00% · Buffalo-Cheektowaga metro: 50th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1