| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.1% | +6.3 pts |
| Share growth (YoY) | +10.1% | +3.5% | +6.5 pts |
| Loan growth (YoY) | +30.4% | +2.9% | +27.6 pts |
| ROA | 0.70% | 0.74% | -0.0 pts |
| ROE | 6.0% | 6.5% | -0.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.7M | $100.8M | $69.9M | $13.1M | $390K | 0.70% | 4.04% | 0.25% | 5,983 |
| Q1 2026 | $110.7M | $100.4M | $66.8M | $12.9M | $180K | 0.65% | 3.87% | 0.34% | 5,873 |
| Q4 2025 | $106.2M | $95.9M | $64.4M | $12.7M | $747K | 0.70% | 3.88% | 0.81% | 5,810 |
| Q3 2025 | $106.7M | $96.5M | $64.9M | $12.5M | $516K | 0.64% | 3.74% | 0.42% | 5,770 |
| Q2 2025 | $101.1M | $91.6M | $53.6M | $12.3M | $396K | 0.78% | 3.87% | 0.61% | 5,688 |
| Q1 2025 | $98.5M | $89.6M | $53.5M | $12.1M | $155K | 0.63% | 3.92% | 0.58% | 5,616 |
| Q4 2024 | $94.2M | $86.1M | $46.2M | $11.9M | $720K | 0.76% | 3.78% | 0.68% | 5,596 |
| Q3 2024 | $96.0M | $85.9M | $46.9M | $11.7M | $500K | 0.69% | 3.61% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.74% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 5,604 |
| Q2 2024 | $91.5M | $83.6M | $45.0M | $11.5M | $315K | 0.69% | 3.69% | 0.67% | 5,591 |
Loan mix (Q2 2026): real estate $34.2M · commercial $864K · consumer $22.6M · securities $28.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 77.5% | 73rd |
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.
5 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Franklin, NY, ranked 3rd with 8.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, NY | 4 | $80.6M* | 8.74% | 3rd |
| Waukesha, WI | 1 | $20.2M* | 0.09% | 53rd |
New York: 255th with 0.00% · Wisconsin: 279th with 0.01% · Milwaukee-Waukesha metro: 70th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 3 · 2025 4 · 2026 5