| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.0% | +0.9% | +3.0 pts |
| Loan growth (YoY) | -6.5% | -2.6% | -3.9 pts |
| ROA | 1.07% | 0.65% | +0.4 pts |
| ROE | 9.3% | 4.4% | +4.9 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.6M | $81.5M | $47.8M | $10.6M | $495K | 1.07% | 3.68% | 0.33% | 8,770 |
| Q1 2026 | $93.1M | $82.2M | $46.2M | $10.4M | $282K | 1.21% | 3.62% | 0.46% | 8,789 |
| Q4 2025 | $89.2M | $78.6M | $48.8M | $10.1M | $1.5M | 1.63% | 3.78% | 0.70% | 8,730 |
| Q3 2025 | $88.5M | $78.3M | $47.9M | $9.7M | $1.1M | 1.59% | 3.81% | 0.71% | 9,134 |
| Q2 2025 | $88.1M | $78.4M | $51.2M | $9.3M | $637K | 1.44% | 3.70% | 0.44% | 9,263 |
| Q1 2025 | $87.5M | $78.0M | $48.8M | $9.0M | $329K | 1.50% | 3.67% | 0.23% | 9,207 |
| Q4 2024 | $84.1M | $75.0M | $51.6M | $8.7M | $809K | 0.96% | 3.55% | 0.30% | 8,841 |
| Q3 2024 | $83.3M | $74.5M | $52.4M | $8.3M | $456K | 0.73% | 3.49% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 8,798 |
| Q2 2024 | $82.0M | $73.6M | $54.0M | $8.1M | $174K | 0.43% | 3.48% | 0.23% | 8,778 |
Loan mix (Q2 2026): real estate $14.8M · commercial $0 · consumer $31.8M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 80.6% | 32nd |
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: Erie, NY, ranked 31st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 1 | $81.5M* | 0.12% | 31st |
New York: 253rd with 0.00% · Buffalo-Cheektowaga metro: 33rd, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1