| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.2 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.5M | $22.2M | $19.1M | $3.0M | $52K | 0.40% | 3.76% | 0.48% | 1,265 |
| Q1 2026 | $25.2M | $22.0M | $19.2M | $2.9M | $23K | 0.37% | 3.64% | 0.20% | 1,268 |
| Q4 2025 | $25.4M | $22.2M | $19.3M | $2.9M | $123K | 0.48% | 3.62% | 0.65% | 1,258 |
| Q3 2025 | $25.4M | $22.2M | $19.3M | $2.9M | $93K | 0.49% | 3.62% | 0.37% | 1,256 |
| Q2 2025 | $24.9M | $21.7M | $19.0M | $2.9M | $68K | 0.55% | 3.70% | 0.82% | 1,241 |
| Q1 2025 | $23.6M | $20.6M | $18.8M | $2.8M | $37K | 0.62% | 3.89% | 0.84% | 1,239 |
| Q4 2024 | $23.2M | $20.4M | $19.0M | $2.8M | $186K | 0.80% | 4.17% | 0.63% | 1,228 |
| Q3 2024 | $23.0M | $20.2M | $19.6M | $2.8M | $141K | 0.81% | 4.24% | 0.66% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,226 |
| Q2 2024 | $23.1M | $20.4M | $19.7M | $2.7M | $92K | 0.79% | 4.24% | 0.63% | 1,214 |
Loan mix (Q2 2026): real estate $9.1M · commercial $0 · consumer $9.6M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 80.6% | 69th |
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.
2 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Worcester, MA, ranked 47th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Worcester, MA | 1 | $11.1M* | 0.04% | 47th |
| Salt Lake, UT | 1 | $11.1M* | 0.00% | 109th |
Massachusetts: 219th with 0.00% · Utah: 136th with 0.00% · Worcester metro: 47th, 0.04% · Salt Lake City-Murray metro: 109th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2