| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +1.3% | +0.9% | +0.4 pts |
| Loan growth (YoY) | -6.4% | -2.6% | -3.8 pts |
| ROA | -0.17% | 0.65% | -0.8 pts |
| ROE | -2.6% | 4.4% | -7.0 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.9M | $12.0M | $4.5M | $856K | $-11K | -0.17% | 4.44% | 0.09% | 2,181 |
| Q1 2026 | $13.2M | $12.4M | $4.6M | $846K | $-21K | -0.63% | 4.35% | 0.06% | 2,181 |
| Q4 2025 | $13.0M | $12.1M | $4.8M | $867K | $42K | 0.32% | 4.76% | 5.48% | 2,184 |
| Q3 2025 | $13.9M | $13.0M | $5.0M | $880K | $55K | 0.53% | 4.49% | 1.06% | 2,184 |
| Q2 2025 | $12.7M | $11.9M | $4.8M | $859K | $29K | 0.45% | 5.00% | 8.67% | 2,184 |
| Q1 2025 | $13.5M | $12.7M | $5.0M | $862K | $37K | 1.10% | 4.81% | 8.71% | 2,184 |
| Q4 2024 | $13.3M | $12.5M | $5.1M | $825K | $340K | 2.55% | 5.58% | 9.65% | 2,184 |
| Q3 2024 | $14.5M | $13.8M | $5.3M | $691K | $206K | 1.89% | 5.32% | 9.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.17% | 0.65% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 4.4% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,184 |
| Q2 2024 | $15.0M | $14.7M | $5.3M | $625K | $140K | 1.87% | 5.32% | 1.18% | 2,184 |
Loan mix (Q2 2026): real estate $3.6M · commercial $236K · consumer $712K · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.3% | 80.6% | 81st |
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: Kings, NY, ranked 49th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kings, NY | 1 | $12.0M* | 0.02% | 49th |
New York: 386th with 0.00% · New York-Newark-Jersey City metro: 249th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1