| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -1.3% | +0.9% | -2.3 pts |
| Loan growth (YoY) | +38.3% | -2.6% | +40.9 pts |
| ROA | -6.47% | 0.65% | -7.1 pts |
| ROE | -59.8% | 4.4% | -64.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $352K | $170K | $14K | $38K | $-11K | -6.47% | 0.41% | 0.00% | 70 |
| Q1 2026 | $372K | $188K | $18K | $42K | $-7K | -7.76% | 0.36% | 0.00% | 70 |
| Q4 2025 | $249K | $175K | $19K | $49K | $2K | 0.92% | 0.67% | 0.00% | 70 |
| Q3 2025 | $313K | $189K | $6K | $55K | $7K | 3.15% | 0.64% | 0.00% | 70 |
| Q2 2025 | $351K | $172K | $10K | $26K | $-21K | -12.25% | 0.60% | 0.00% | 70 |
| Q1 2025 | $372K | $163K | $12K | $34K | $-14K | -14.59% | 0.63% | 0.00% | 66 |
| Q4 2024 | $282K | $155K | $15K | $47K | $-7K | -2.48% | 0.79% | 0.00% | 76 |
| Q3 2024 | $328K | $170K | $0 | $45K | $-9K | -3.85% | 0.74% | — | 76 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.47% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -59.8% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 0.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $280K |
| $160K |
| $0 |
| $34K |
| $-20K |
| -14.21% |
| 0.76% |
| — |
| 76 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $14K · securities $10K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.7% | 80.6% | 93rd |
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.
2 branches in 1 county across 1 state (-1 vs 2025). Biggest market: New York, NY, ranked 110th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $170K* | 0.00% | 110th |
New York: 477th with 0.00% · New York-Newark-Jersey City metro: 339th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 2