| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +1.3% | +7.8 pts |
| Share growth (YoY) | +10.6% | +0.9% | +9.7 pts |
| Loan growth (YoY) | +12.5% | -2.6% | +15.1 pts |
| ROA | 0.13% | 0.65% | -0.5 pts |
| ROE | 0.8% | 4.4% | -3.6 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.7M | $3.1M | $2.3M | $591K | $2K | 0.13% | 3.08% | 0.33% | 535 |
| Q1 2026 | $3.7M | $3.1M | $2.3M | $590K | $1K | 0.14% | 3.33% | 0.00% | 529 |
| Q4 2025 | $3.7M | $3.1M | $2.0M | $588K | $9K | 0.24% | 2.80% | 0.00% | 523 |
| Q3 2025 | $3.6M | $3.0M | $2.0M | $585K | $6K | 0.21% | 2.84% | 0.00% | 524 |
| Q2 2025 | $3.4M | $2.8M | $2.0M | $582K | $3K | 0.17% | 2.86% | 0.43% | 511 |
| Q1 2025 | $3.4M | $2.8M | $2.1M | $581K | $1K | 0.17% | 2.90% | 0.83% | 511 |
| Q4 2024 | $3.3M | $2.7M | $2.1M | $580K | $16K | 0.48% | 3.15% | 0.91% | 508 |
| Q3 2024 | $3.3M | $2.7M | $2.2M | $576K | $12K | 0.49% | 3.26% | 0.57% | 510 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.65% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.3M |
| $2.7M |
| $2.3M |
| $571K |
| $7K |
| 0.45% |
| 3.18% |
| 0.64% |
| 509 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 80.6% | 78th |
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: Rensselaer, NY, ranked 19th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Rensselaer, NY | 1 | $3.1M* | 0.08% | 19th |
New York: 434th with 0.00% · Albany-Schenectady-Troy metro: 36th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1