| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.0% | +1.3% | -11.3 pts |
| Share growth (YoY) | -12.7% | +0.9% | -13.6 pts |
| Loan growth (YoY) | -12.0% | -2.6% | -9.4 pts |
| ROA | -0.57% | 0.65% | -1.2 pts |
| ROE | -2.8% | 4.4% | -7.2 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.9M | $71.9M | $10.1M | $17.0M | $-239K | -0.57% | 0.93% | 6.65% | 3,750 |
| Q1 2026 | $89.8M | $76.9M | $10.3M | $17.1M | $-129K | -0.57% | 0.91% | 0.95% | 3,785 |
| Q4 2025 | $90.7M | $78.9M | $10.8M | $17.2M | $-697K | -0.77% | 0.76% | 6.64% | 3,752 |
| Q3 2025 | $91.6M | $79.9M | $10.9M | $17.2M | $-702K | -1.02% | 0.48% | 1.20% | 3,739 |
| Q2 2025 | $93.2M | $82.4M | $11.5M | $17.5M | $-392K | -0.84% | 0.36% | 0.94% | 3,877 |
| Q1 2025 | $94.6M | $83.7M | $11.8M | $17.8M | $-103K | -0.43% | 0.27% | 0.69% | 3,878 |
| Q4 2024 | $95.9M | $82.9M | $13.1M | $18.2M | $-1.4M | -1.43% | 0.33% | 5.55% | 3,819 |
| Q3 2024 | $97.6M | $82.1M | $13.1M | $22.9M | $-530K | -0.72% | 0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.57% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 4.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.93% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1.94% |
| 3,833 |
| Q2 2024 | $95.5M | $83.4M | $13.5M | $18.8M | $-384K | -0.80% | 0.19% | 1.71% | 3,857 |
Loan mix (Q2 2026): real estate $7.7M · commercial $0 · consumer $2.3M · securities $63.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 159.2% | 80.6% | 98th |
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: Queens, NY, ranked 52nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Queens, NY | 1 | $71.9M* | 0.08% | 52nd |
New York: 263rd with 0.00% · New York-Newark-Jersey City metro: 185th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1