| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -11.3% | -2.6% | -8.7 pts |
| ROA | 0.65% | 0.65% | +0.0 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.1M | $5.2M | $1.1M | $856K | $20K | 0.65% | 4.32% | 6.97% | 1,451 |
| Q1 2026 | $6.1M | $5.2M | $1.1M | $847K | $11K | 0.75% | 4.43% | 4.28% | 1,461 |
| Q4 2025 | $6.2M | $5.3M | $1.2M | $836K | $125K | 2.00% | 4.85% | 3.01% | 1,448 |
| Q3 2025 | $6.1M | $5.3M | $1.2M | $812K | $101K | 2.20% | 4.98% | 0.69% | 1,525 |
| Q2 2025 | $6.2M | $5.3M | $1.2M | $798K | $87K | 2.81% | 5.26% | 4.72% | 1,525 |
| Q1 2025 | $6.3M | $5.5M | $1.3M | $768K | $57K | 3.60% | 5.09% | 1.49% | 1,525 |
| Q4 2024 | $6.2M | $5.5M | $1.3M | $711K | $98K | 1.57% | 4.74% | 1.38% | 1,525 |
| Q3 2024 | $6.1M | $5.4M | $1.3M | $681K | $67K | 1.47% | 4.69% | 1.96% | 1,525 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.4M | $5.7M | $1.3M | $662K | $48K | 1.52% | 4.60% | 1.34% | 1,525 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $844K · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 80.6% | 63rd |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: New York, NY, ranked 100th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $3.4M* | 0.00% | 100th |
| Racine, WI | 1 | $1.7M* | 0.03% | 28th |
New York: 432nd with 0.00% · Wisconsin: 327th with 0.00% · New York-Newark-Jersey City metro: 295th, 0.00% · Racine-Mount Pleasant metro: 28th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 3 · 2026 3