| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +4.1% | -11.0 pts |
| Share growth (YoY) | -9.7% | +3.5% | -13.2 pts |
| Loan growth (YoY) | +6.5% | +2.9% | +3.6 pts |
| ROA | 0.51% | 0.74% | -0.2 pts |
| ROE | 3.3% | 6.5% | -3.2 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.6M | $113.5M | $102.8M | $19.8M | $326K | 0.51% | 5.24% | 0.92% | 10,604 |
| Q1 2026 | $125.9M | $109.8M | $99.8M | $19.4M | $-84K | -0.27% | 5.04% | 0.71% | 10,445 |
| Q4 2025 | $130.1M | $116.3M | $101.7M | $19.5M | $1.8M | 1.36% | 5.06% | 0.83% | 10,370 |
| Q3 2025 | $127.5M | $114.5M | $98.9M | $19.3M | $1.5M | 1.53% | 5.08% | 0.80% | 10,253 |
| Q2 2025 | $138.1M | $125.7M | $96.5M | $18.6M | $838K | 1.21% | 4.62% | 0.99% | 10,138 |
| Q1 2025 | $138.6M | $124.7M | $99.3M | $18.0M | $245K | 0.71% | 4.51% | 0.87% | 10,106 |
| Q4 2024 | $129.6M | $118.7M | $98.8M | $17.8M | $1.3M | 1.01% | 4.36% | 0.72% | 10,035 |
| Q3 2024 | $131.5M | $118.1M | $100.9M | $17.5M | $927K | 0.94% | 4.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.74% | 31st | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 6.5% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 10,056 |
| Q2 2024 | $130.3M | $119.8M | $100.7M | $17.0M | $465K | 0.71% | 4.08% | 0.53% | 9,993 |
Loan mix (Q2 2026): real estate $26.3M · commercial $40K · consumer $63.3M · securities $16.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 77.5% | 70th |
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: Clinton, NY, ranked 8th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clinton, NY | 3 | $113.5M* | 3.91% | 8th |
New York: 225th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 3 · 2026 3