| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.7% | +1.3% | -17.0 pts |
| Share growth (YoY) | -19.8% | +0.9% | -20.7 pts |
| Loan growth (YoY) | +1.0% | -2.6% | +3.6 pts |
| ROA | -1.21% | 0.65% | -1.9 pts |
| ROE | -4.2% | 4.4% | -8.6 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $337K | $239K | $88K | $98K | $-2K | -1.21% | 4.10% | 4.08% | 152 |
| Q1 2026 | $328K | $232K | $58K | $97K | $-3K | -4.04% | 2.96% | 21.23% | 153 |
| Q4 2025 | $360K | $260K | $69K | $100K | $-15K | -4.25% | 3.87% | 17.90% | 157 |
| Q3 2025 | $388K | $285K | $83K | $103K | $-11K | -3.91% | 3.65% | 19.79% | 161 |
| Q2 2025 | $400K | $298K | $87K | $102K | $-13K | -6.54% | 3.52% | 18.30% | 168 |
| Q1 2025 | $408K | $304K | $86K | $104K | $-10K | -10.05% | 4.01% | 21.36% | 171 |
| Q4 2024 | $387K | $282K | $97K | $106K | $-16K | -4.12% | 5.47% | 24.25% | 175 |
| Q3 2024 | $406K | $294K | $92K | $113K | $-9K | -2.91% | 5.19% | 35.37% | 180 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.21% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -4.2% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $412K | $300K | $101K | $113K | $-9K | -4.43% | 5.42% | 14.23% | 190 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $88K · securities $100
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 126.4% | 80.6% | 96th |
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 2 counties across 2 states (+0 vs 2025). Biggest market: Westchester, NY, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westchester, NY | 2 | $159K* | 0.00% | 51st |
| Collin, TX | 1 | $80K* | 0.00% | 130th |
New York: 478th with 0.00% · Texas: 913th with 0.00% · New York-Newark-Jersey City metro: 340th, 0.00% · Dallas-Fort Worth-Arlington metro: 294th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3