| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +3.3% | +0.9% | +2.4 pts |
| Loan growth (YoY) | -15.2% | -2.6% | -12.5 pts |
| ROA | 0.67% | 0.65% | +0.0 pts |
| ROE | 2.1% | 4.4% | -2.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.3M | $28.2M | $15.5M | $12.9M | $134K | 0.67% | 3.10% | 0.83% | 1,641 |
| Q1 2026 | $40.0M | $27.9M | $16.2M | $12.8M | $48K | 0.48% | 3.09% | 0.65% | 1,669 |
| Q4 2025 | $39.7M | $27.6M | $17.0M | $12.8M | $156K | 0.39% | 3.04% | 2.04% | 1,684 |
| Q3 2025 | $39.5M | $27.1M | $17.7M | $12.8M | $131K | 0.44% | 3.02% | 1.16% | 1,686 |
| Q2 2025 | $39.2M | $27.3M | $18.3M | $12.7M | $84K | 0.43% | 2.96% | 1.87% | 1,688 |
| Q1 2025 | $38.5M | $26.5M | $18.2M | $12.7M | $42K | 0.44% | 2.94% | 1.80% | 1,695 |
| Q4 2024 | $38.1M | $26.2M | $18.5M | $12.6M | $228K | 0.60% | 2.97% | 2.27% | 1,707 |
| Q3 2024 | $37.9M | $25.9M | $19.0M | $12.6M | $213K | 0.75% | 2.96% | 2.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,711 |
| Q2 2024 | $38.5M | $26.6M | $18.9M | $12.6M | $129K | 0.67% | 2.88% | 2.13% | 1,722 |
Loan mix (Q2 2026): real estate $5.8M · commercial $0 · consumer $8.7M · securities $19.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 80.6% | 44th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Oneida, NY, ranked 19th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oneida, NY | 1 | $14.1M* | 0.20% | 19th |
| Collin, TX | 1 | $14.1M* | 0.03% | 110th |
Texas: 771st with 0.00% · New York: 379th with 0.00% · Dallas-Fort Worth-Arlington metro: 255th, 0.00% · Utica-Rome metro: 20th, 0.17% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2