| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.4 pts |
| Loan growth (YoY) | -2.3% | -2.6% | +0.3 pts |
| ROA | 1.48% | 0.65% | +0.8 pts |
| ROE | 10.9% | 4.4% | +6.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.7M | $24.6M | $12.2M | $3.9M | $212K | 1.48% | 4.30% | 0.03% | 2,156 |
| Q1 2026 | $28.4M | $24.4M | $11.8M | $3.7M | $71K | 1.00% | 4.25% | 0.30% | 2,163 |
| Q4 2025 | $27.0M | $23.1M | $12.1M | $3.7M | $525K | 1.95% | 4.51% | 0.78% | 2,159 |
| Q3 2025 | $26.6M | $22.8M | $12.0M | $3.5M | $388K | 1.94% | 4.49% | 0.42% | 2,150 |
| Q2 2025 | $27.3M | $23.6M | $12.5M | $3.4M | $269K | 1.97% | 4.34% | 0.42% | 2,165 |
| Q1 2025 | $26.9M | $23.4M | $12.1M | $3.3M | $127K | 1.89% | 4.31% | 1.30% | 2,160 |
| Q4 2024 | $26.1M | $22.7M | $12.7M | $3.1M | $517K | 1.98% | 4.51% | 0.21% | 2,155 |
| Q3 2024 | $26.8M | $23.3M | $12.9M | $3.0M | $395K | 1.97% | 4.39% | 0.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.65% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,158 |
| Q2 2024 | $26.4M | $23.1M | $12.8M | $2.9M | $242K | 1.84% | 4.35% | 0.05% | 2,177 |
Loan mix (Q2 2026): real estate $1.9M · commercial $0 · consumer $8.5M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 80.6% | 18th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Franklin, NY, ranked 8th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, NY | 1 | $12.3M* | 1.33% | 8th |
| Essex, NY | 1 | $12.3M* | 0.92% | 8th |
New York: 339th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2