| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.5% | +0.9% | -1.4 pts |
| Loan growth (YoY) | -3.0% | -2.6% | -0.3 pts |
| ROA | 1.52% | 0.65% | +0.9 pts |
| ROE | 13.9% | 4.4% | +9.5 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.7M | $22.8M | $13.2M | $2.8M | $196K | 1.52% | 3.42% | 0.00% | 1,857 |
| Q1 2026 | $25.3M | $22.5M | $13.3M | $2.7M | $87K | 1.38% | 3.31% | 0.00% | 1,849 |
| Q4 2025 | $24.4M | $21.7M | $13.2M | $2.6M | $424K | 1.74% | 3.63% | 0.00% | 1,852 |
| Q3 2025 | $25.1M | $22.4M | $13.4M | $2.6M | $361K | 1.91% | 3.63% | 0.00% | 1,853 |
| Q2 2025 | $25.5M | $22.9M | $13.6M | $2.4M | $234K | 1.84% | 3.55% | 0.00% | 1,852 |
| Q1 2025 | $25.9M | $23.5M | $13.6M | $2.3M | $118K | 1.82% | 3.36% | 0.00% | 1,849 |
| Q4 2024 | $24.4M | $22.1M | $13.8M | $2.2M | $308K | 1.26% | 3.24% | 0.00% | 1,852 |
| Q3 2024 | $23.9M | $21.6M | $13.8M | $2.1M | $235K | 1.31% | 3.23% | 0.01% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 4.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,862 |
| Q2 2024 | $24.3M | $22.2M | $14.1M | $2.1M | $154K | 1.27% | 3.25% | 0.00% | 1,883 |
Loan mix (Q2 2026): real estate $7.9M · commercial $0 · consumer $5.0M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 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: Monroe, NY, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, NY | 1 | $22.8M* | 0.08% | 33rd |
New York: 345th with 0.00% · Rochester metro: 40th, 0.06% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1