| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.5 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.1 pts |
| ROA | -8.94% | 0.65% | -9.6 pts |
| ROE | -48.9% | 4.4% | -53.3 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 | $10.6M | $8.4M | $2.2M | $1.9M | $-474K | -8.94% | 0.10% | 3.91% | 870 |
| Q1 2026 | $10.7M | $8.3M | $2.3M | $2.5M | $14K | 0.53% | 3.75% | 6.11% | 889 |
| Q4 2025 | $10.9M | $8.5M | $2.4M | $2.4M | $200K | 1.84% | 2.59% | 6.89% | 958 |
| Q3 2025 | $11.0M | $8.5M | $2.4M | $2.5M | $319K | 3.87% | 3.63% | 4.22% | 968 |
| Q2 2025 | $11.1M | $8.6M | $2.4M | $2.4M | $-156K | -2.82% | 0.00% | 5.57% | 973 |
| Q1 2025 | $11.6M | $9.2M | $2.3M | $2.4M | $94K | 3.25% | 3.41% | 4.62% | 981 |
| Q4 2024 | $11.6M | $9.3M | $2.4M | $2.3M | $7K | 0.06% | 2.31% | 3.94% | 988 |
| Q3 2024 | $11.9M | $9.5M | $2.5M | $2.3M | $-7.8M | -87.27% | 3.13% | 5.50% | 990 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -8.94% | 0.65% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -48.9% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 0.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $12.0M | $9.6M | $2.5M | $2.3M | $35K | 0.58% | 2.99% | 5.70% | 993 |
Loan mix (Q2 2026): real estate $404K · commercial $0 · consumer $1.6M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | — | 80.6% | — |
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 (+0 vs 2025). Biggest market: Naugatuck Valley, CT, ranked 30th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Naugatuck Valley, CT | 1 | $4.2M* | 0.03% | 30th |
| Fairfax (City), VA | 1 | $4.2M* | 0.06% | 25th |
Virginia: 218th with 0.00% · Connecticut: 116th with 0.00% · Waterbury-Shelton metro: 30th, 0.03% · Washington-Arlington-Alexandria metro: 153rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2