| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.5% | +1.3% | -22.8 pts |
| Share growth (YoY) | -24.6% | +0.9% | -25.6 pts |
| Loan growth (YoY) | -28.9% | -2.6% | -26.3 pts |
| ROA | -0.42% | 0.65% | -1.1 pts |
| ROE | -4.3% | 4.4% | -8.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.2M | $1.9M | $113K | $217K | $-5K | -0.42% | 1.92% | 1.44% | 1,471 |
| Q1 2026 | $2.3M | $2.0M | $115K | $219K | $-3K | -0.43% | 2.65% | 3.17% | 1,418 |
| Q4 2025 | $2.6M | $2.2M | $109K | $222K | $-5K | -0.20% | 2.69% | 5.51% | 1,363 |
| Q3 2025 | $2.7M | $2.4M | $126K | $192K | $-35K | -1.71% | 2.73% | 6.35% | 1,513 |
| Q2 2025 | $2.8M | $2.5M | $159K | $200K | $-27K | -1.90% | 2.21% | 2.73% | 1,493 |
| Q1 2025 | $2.7M | $2.3M | $171K | $219K | $-7K | -1.10% | 2.38% | 0.13% | 1,450 |
| Q4 2024 | $2.3M | $1.9M | $144K | $227K | $25K | 1.12% | 3.62% | 20.48% | 1,397 |
| Q3 2024 | $2.4M | $2.1M | $121K | $240K | $47K | 2.59% | 3.38% | 20.15% | 1,445 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -4.3% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.3M | $2.0M | $103K | $225K | $24K | 2.01% | 3.55% | 2.44% | 1,399 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $113K · securities $250K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 112.5% | 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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Queens, NY, ranked 69th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Queens, NY | 3 | $1.9M* | 0.00% | 69th |
New York: 444th with 0.00% · New York-Newark-Jersey City metro: 307th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 3