| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -4.6% | +0.9% | -5.6 pts |
| Loan growth (YoY) | -17.3% | -2.6% | -14.7 pts |
| ROA | 1.42% | 0.65% | +0.8 pts |
| ROE | 9.9% | 4.4% | +5.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.7M | $4.8M | $2.4M | $814K | $40K | 1.42% | 3.22% | 0.00% | 488 |
| Q1 2026 | $5.6M | $4.8M | $2.4M | $796K | $22K | 1.57% | 3.40% | 0.00% | 491 |
| Q4 2025 | $5.8M | $5.0M | $2.6M | $774K | $3K | 0.06% | 1.84% | 0.00% | 498 |
| Q3 2025 | $5.9M | $5.1M | $2.8M | $820K | $49K | 1.10% | 2.68% | 0.00% | 503 |
| Q2 2025 | $5.9M | $5.1M | $3.0M | $799K | $29K | 0.98% | 2.57% | 0.00% | 507 |
| Q1 2025 | $6.0M | $5.2M | $2.8M | $786K | $14K | 0.97% | 2.59% | 0.26% | 509 |
| Q4 2024 | $5.9M | $5.2M | $2.7M | $772K | $7K | 0.11% | 1.69% | 0.16% | 519 |
| Q3 2024 | $6.0M | $5.1M | $2.8M | $841K | $76K | 1.69% | 3.03% | 0.00% | 523 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $6.0M |
| $5.2M |
| $3.0M |
| $819K |
| $54K |
| 1.80% |
| 3.08% |
| 0.64% |
| 523 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 80.6% | 8th |
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: Jefferson, NY, ranked 14th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, NY | 1 | $4.8M* | 0.15% | 14th |
New York: 426th with 0.00% · Watertown-Fort Drum metro: 14th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1