| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +1.3% | -4.8 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.4 pts |
| Loan growth (YoY) | -13.2% | -2.6% | -10.5 pts |
| ROA | -1.15% | 0.65% | -1.8 pts |
| ROE | -11.9% | 4.4% | -16.3 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 | $2.5M | $2.2M | $841K | $238K | $-14K | -1.15% | 4.45% | 0.74% | 429 |
| Q1 2026 | $2.5M | $2.2M | $879K | $255K | $2K | 0.34% | 4.27% | 3.73% | 442 |
| Q4 2025 | $2.5M | $2.2M | $834K | $252K | $9K | 0.36% | 4.25% | 3.75% | 455 |
| Q3 2025 | $2.6M | $2.3M | $876K | $252K | $8K | 0.41% | 3.97% | 3.57% | 455 |
| Q2 2025 | $2.6M | $2.3M | $968K | $248K | $4K | 0.35% | 3.88% | 4.10% | 464 |
| Q1 2025 | $2.5M | $2.3M | $935K | $245K | $1K | 0.20% | 3.77% | 4.14% | 470 |
| Q4 2024 | $2.4M | $2.2M | $963K | $244K | $984 | 0.04% | 3.84% | 3.54% | 479 |
| Q3 2024 | $2.6M | $2.3M | $1000K | $243K | $716 | 0.04% | 3.48% | 0.61% | 473 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.15% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -11.9% | 4.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.6M |
| $2.3M |
| $991K |
| $241K |
| $-2K |
| -0.15% |
| 3.27% |
| 0.62% |
| 478 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $839K · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.6% | 80.6% | 73rd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Erie, NY, ranked 81st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $2.2M* | 0.00% | 81st |
New York: 441st with 0.00% · Buffalo-Cheektowaga metro: 89th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1