| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.1% | +4.4 pts |
| Share growth (YoY) | +7.9% | +3.5% | +4.4 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 0.62% | 0.74% | -0.1 pts |
| ROE | 6.0% | 6.5% | -0.5 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $179.0M | $167.7M | $43.2M | $18.5M | $555K | 0.62% | 2.89% | 0.81% | 6,945 |
| Q1 2026 | $176.9M | $165.8M | $41.7M | $18.2M | $274K | 0.62% | 2.86% | 0.58% | 6,975 |
| Q4 2025 | $172.4M | $161.0M | $42.2M | $17.9M | $1.1M | 0.67% | 3.01% | 0.66% | 7,031 |
| Q3 2025 | $166.8M | $155.7M | $42.8M | $17.8M | $1.0M | 0.84% | 3.14% | 0.67% | 7,056 |
| Q2 2025 | $165.0M | $155.3M | $42.3M | $17.6M | $851K | 1.03% | 3.18% | 0.68% | 7,082 |
| Q1 2025 | $163.0M | $153.6M | $42.2M | $17.3M | $541K | 1.33% | 3.23% | 0.56% | 7,103 |
| Q4 2024 | $158.4M | $150.9M | $43.5M | $16.8M | $1.9M | 1.20% | 3.47% | 0.75% | 7,131 |
| Q3 2024 | $156.6M | $147.1M | $44.1M | $16.4M | $1.5M | 1.28% | 3.57% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.74% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 7,178 |
| Q2 2024 | $159.1M | $152.2M | $44.2M | $16.0M | $1.1M | 1.40% | 3.53% | 0.92% | 7,233 |
Loan mix (Q2 2026): real estate $15.2M · commercial $7.8M · consumer $12.8M · securities $95.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 77.5% | 71st |
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 (+2 vs 2025). Biggest market: Ulster, NY, ranked 16th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ulster, NY | 4 | $134.2M* | 1.90% | 16th |
| Salt Lake, UT | 1 | $33.5M* | 0.00% | 73rd |
New York: 215th with 0.00% · Utah: 99th with 0.00% · Kingston metro: 16th, 1.90% · Salt Lake City-Murray metro: 73rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 5