| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +1.3% | -1.9 pts |
| Share growth (YoY) | -1.8% | +0.9% | -2.8 pts |
| Loan growth (YoY) | -7.7% | -2.6% | -5.1 pts |
| ROA | 0.95% | 0.65% | +0.3 pts |
| ROE | 4.5% | 4.4% | +0.1 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.0M | $3.9M | $3.1M | $1.1M | $24K | 0.95% | 4.28% | 1.54% | 704 |
| Q1 2026 | $5.0M | $3.9M | $3.2M | $1.1M | $18K | 1.42% | 4.73% | 0.91% | 712 |
| Q4 2025 | $4.8M | $3.8M | $3.2M | $1.0M | $48K | 1.00% | 4.62% | 1.67% | 714 |
| Q3 2025 | $4.8M | $3.8M | $3.3M | $1.0M | $45K | 1.25% | 4.50% | 2.59% | 706 |
| Q2 2025 | $5.0M | $4.0M | $3.4M | $1.0M | $33K | 1.31% | 4.14% | 1.42% | 716 |
| Q1 2025 | $4.9M | $3.9M | $3.4M | $1.0M | $14K | 1.17% | 3.94% | 1.09% | 717 |
| Q4 2024 | $4.8M | $3.8M | $3.4M | $988K | $57K | 1.18% | 4.27% | 1.19% | 722 |
| Q3 2024 | $4.9M | $3.9M | $3.5M | $987K | $56K | 1.52% | 4.30% | 1.38% | 733 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.65% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.4% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.9M | $4.0M | $3.5M | $967K | $36K | 1.45% | 4.21% | 1.52% | 734 |
Loan mix (Q2 2026): real estate $41K · commercial $0 · consumer $3.1M · securities $360K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 80.6% | 45th |
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.
4 branches in 2 counties across 1 state (+3 vs 2025). Biggest market: Cattaraugus, NY, ranked 14th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cattaraugus, NY | 2 | $2.0M* | 0.10% | 14th |
| Erie, NY | 2 | $2.0M* | 0.00% | 83rd |
New York: 430th with 0.00% · Buffalo-Cheektowaga metro: 91st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 4