| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.1% | -3.3 pts |
| Share growth (YoY) | +0.1% | +3.5% | -3.4 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.7 pts |
| ROA | 0.68% | 0.74% | -0.1 pts |
| ROE | 8.6% | 6.5% | +2.1 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149.4M | $136.7M | $55.1M | $11.8M | $507K | 0.68% | 3.09% | 1.39% | 9,754 |
| Q1 2026 | $149.1M | $136.7M | $55.2M | $11.6M | $268K | 0.72% | 2.84% | 0.18% | 9,703 |
| Q4 2025 | $146.2M | $134.0M | $55.8M | $11.3M | $681K | 0.47% | 2.33% | 0.63% | 9,657 |
| Q3 2025 | $147.9M | $135.9M | $51.9M | $11.1M | $475K | 0.43% | 2.18% | 0.18% | 9,632 |
| Q2 2025 | $148.2M | $136.5M | $53.2M | $10.9M | $292K | 0.39% | 2.01% | 0.96% | 9,596 |
| Q1 2025 | $149.9M | $138.7M | $53.5M | $10.7M | $35K | 0.09% | 1.95% | 1.29% | 9,564 |
| Q4 2024 | $146.8M | $135.4M | $56.0M | $10.7M | $284K | 0.19% | 1.96% | 4.67% | 9,539 |
| Q3 2024 | $149.8M | $138.2M | $57.7M | $10.8M | $387K | 0.34% | 1.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.74% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 6.5% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 4.57% |
| 9,515 |
| Q2 2024 | $150.0M | $138.2M | $58.6M | $10.7M | $361K | 0.48% | 1.86% | 4.52% | 9,471 |
Loan mix (Q2 2026): real estate $31.1M · commercial $1.5M · consumer $10.5M · securities $66.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 77.5% | 50th |
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: Nassau, NY, ranked 39th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nassau, NY | 2 | $136.7M* | 0.12% | 39th |
New York: 211th with 0.00% · New York-Newark-Jersey City metro: 158th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2