| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -0.4% | +0.9% | -1.3 pts |
| Loan growth (YoY) | -2.0% | -2.6% | +0.6 pts |
| ROA | 0.16% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.2 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.9M | $55.7M | $45.0M | $8.4M | $51K | 0.16% | 4.18% | 0.35% | 8,131 |
| Q1 2026 | $65.4M | $57.0M | $44.1M | $8.4M | $49K | 0.30% | 4.01% | 0.27% | 8,186 |
| Q4 2025 | $64.5M | $55.9M | $46.4M | $8.4M | $56K | 0.09% | 4.14% | 0.21% | 9,604 |
| Q3 2025 | $62.7M | $54.4M | $46.8M | $8.5M | $66K | 0.14% | 4.08% | 0.39% | 9,604 |
| Q2 2025 | $63.9M | $55.9M | $45.9M | $8.5M | $35K | 0.11% | 4.03% | 0.46% | 9,504 |
| Q1 2025 | $65.6M | $57.4M | $45.9M | $8.5M | $22K | 0.13% | 3.86% | 0.69% | 9,409 |
Loan mix (Q2 2026): real estate $32.9M · commercial $0 · consumer $11.6M · securities $11.1M
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.65% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.88% | 64th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.4% | 80.6% | 83rd |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 3 counties across 2 states (+0 vs 2025). Biggest market: South Central Connecticut, CT, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| South Central Connecticut, CT | 3 | $33.4M* | 0.14% | 31st |
| Collin, TX | 1 | $11.1M* | 0.02% | 115th |
| Greater Bridgeport, CT | 1 | $11.1M* | 0.08% | 26th |
Connecticut: 85th with 0.02% · Texas: 789th with 0.00% · New Haven metro: 31st, 0.14% · Bridgeport-Stamford-Danbury metro: 43rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 5 · 2026 5