| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +1.3% | -6.6 pts |
| Share growth (YoY) | -5.8% | +0.9% | -6.7 pts |
| Loan growth (YoY) | -14.5% | -2.6% | -11.9 pts |
| ROA | -0.39% | 0.65% | -1.0 pts |
| ROE | -3.3% | 4.4% | -7.7 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.1M | $9.8M | $5.1M | $1.3M | $-22K | -0.39% | 2.84% | 0.15% | 1,841 |
| Q1 2026 | $10.9M | $9.5M | $5.2M | $1.3M | $-17K | -0.63% | 3.06% | 2.04% | 1,852 |
| Q4 2025 | $11.2M | $9.8M | $5.5M | $1.3M | $6K | 0.05% | 3.28% | 3.03% | 1,914 |
| Q3 2025 | $10.8M | $9.4M | $5.7M | $1.3M | $13K | 0.16% | 3.36% | 0.45% | 1,923 |
| Q2 2025 | $11.7M | $10.4M | $5.9M | $1.3M | $2K | 0.03% | 3.22% | 0.42% | 1,935 |
| Q1 2025 | $11.5M | $10.2M | $6.0M | $1.3M | $2K | 0.06% | 3.26% | 0.00% | 1,941 |
| Q4 2024 | $11.1M | $9.8M | $6.2M | $1.3M | $14K | 0.13% | 3.41% | 0.11% | 1,950 |
| Q3 2024 | $11.3M | $9.9M | $6.4M | $1.3M | $13K | 0.15% | 3.31% | 0.00% | 1,956 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.39% | 0.65% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 4.4% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $12.3M | $11.0M | $6.5M | $1.3M | $-21K | -0.34% | 3.16% | 0.00% | 1,972 |
Loan mix (Q2 2026): real estate $2.8M · commercial $0 · consumer $2.1M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 113.7% | 80.6% | 93rd |
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 2025). Biggest market: Erie, NY, ranked 62nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Erie, NY | 3 | $9.8M* | 0.01% | 62nd |
New York: 396th with 0.00% · Buffalo-Cheektowaga metro: 73rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3