Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.7% | +0.9% | -0.3 pts |
| Loan growth (YoY) | -18.0% | -2.6% | -15.4 pts |
| ROA | 0.13% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.1 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.2M | $29.7M | $8.9M | $3.4M | $11K | 0.13% | 3.67% | 0.08% | 1,751 |
| Q4 2025 | $33.2M | $29.8M | $9.6M | $3.4M | $172K | 0.52% | 3.49% | 0.51% | 1,793 |
| Q3 2025 | $32.5M | $29.1M | $10.1M | $3.4M | $144K | 0.59% | 3.53% | 0.05% | 1,836 |
| Q2 2025 | $33.6M | $30.3M | $10.3M | $3.4M | $111K | 0.66% | 3.32% | 0.50% | 1,858 |
| Q1 2025 | $32.8M | $29.5M | $10.9M | $3.3M | $59K | 0.72% | 3.31% | 1.64% | 2,267 |
| Q4 2024 | $33.1M | $29.8M | $11.4M | $3.3M | $-27K | -0.08% | 3.24% | 1.57% | 1,913 |
| Q3 2024 | $34.4M | $31.2M | $11.7M | $3.2M | $-102K | -0.39% | 3.05% | 2.25% | 1,950 |
| Q2 2024 | $34.9M | $31.8M | $12.3M | $3.2M | $-114K | -0.65% | 2.81% | 2.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.65% | — | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.88% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% |
Peer lists, growth filters, CSV export, CRM push.
| 1,953 |
Loan mix (Q1 2026): real estate $4.4M · commercial $0 · consumer $3.4M · securities $21.4M
| 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.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Onondaga, NY, ranked 29th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Onondaga, NY | 3 | $30.3M* | 0.18% | 29th |
New York: 329th with 0.00% · Syracuse metro: 34th, 0.14% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3