| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +6.8% | +0.9% | +5.9 pts |
| Loan growth (YoY) | -11.9% | -2.6% | -9.3 pts |
| ROA | 1.38% | 0.65% | +0.7 pts |
| ROE | 13.0% | 4.4% | +8.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.6M | $22.7M | $12.1M | $2.7M | $177K | 1.38% | 3.95% | 1.05% | 3,013 |
| Q1 2026 | $25.0M | $22.2M | $12.5M | $2.7M | $132K | 2.11% | 3.98% | 0.20% | 3,059 |
| Q4 2025 | $24.5M | $21.8M | $12.8M | $2.5M | $59K | 0.24% | 4.23% | 0.19% | 3,075 |
| Q3 2025 | $24.0M | $21.4M | $13.4M | $2.5M | $-3K | -0.01% | 4.30% | 0.71% | 3,102 |
| Q2 2025 | $23.9M | $21.2M | $13.8M | $2.6M | $90K | 0.75% | 4.26% | 0.98% | 3,125 |
| Q1 2025 | $24.9M | $22.0M | $13.9M | $2.7M | $-32K | -0.52% | 3.98% | 1.00% | 3,160 |
| Q4 2024 | $24.1M | $21.5M | $14.7M | $2.5M | $158K | 0.66% | 4.19% | 1.38% | 3,216 |
| Q3 2024 | $23.5M | $20.9M | $14.8M | $2.4M | $82K | 0.46% | 4.29% | 1.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.65% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,207 |
| Q2 2024 | $23.5M | $21.0M | $15.2M | $2.2M | $-40K | -0.34% | 4.25% | 0.33% | 3,220 |
Loan mix (Q2 2026): real estate $3.5M · commercial $0 · consumer $8.5M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 80.6% | 74th |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Broome, NY, ranked 14th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broome, NY | 3 | $22.7M* | 0.36% | 14th |
New York: 347th with 0.00% · Binghamton metro: 14th, 0.31% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 3 · 2026 3