| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +1.3% | -4.0 pts |
| Share growth (YoY) | -3.3% | +0.9% | -4.3 pts |
| Loan growth (YoY) | -8.9% | -2.6% | -6.3 pts |
| ROA | 0.19% | 0.65% | -0.5 pts |
| ROE | 1.2% | 4.4% | -3.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.4M | $48.7M | $2.4M | $8.6M | $53K | 0.19% | 1.48% | 1.19% | 2,579 |
| Q1 2026 | $56.8M | $48.1M | $2.5M | $8.6M | $24K | 0.17% | 1.56% | 1.32% | 2,602 |
| Q4 2025 | $56.5M | $47.8M | $2.9M | $8.6M | $147K | 0.26% | 1.56% | 0.68% | 2,602 |
| Q3 2025 | $56.9M | $48.2M | $3.1M | $8.6M | $130K | 0.30% | 1.55% | 0.68% | 2,594 |
| Q2 2025 | $59.0M | $50.4M | $2.6M | $8.5M | $81K | 0.27% | 1.47% | 1.61% | 2,608 |
| Q1 2025 | $58.8M | $50.3M | $2.8M | $8.5M | $44K | 0.30% | 1.48% | 0.91% | 2,629 |
| Q4 2024 | $58.9M | $50.3M | $3.2M | $8.4M | $171K | 0.29% | 1.50% | 0.56% | 2,630 |
| Q3 2024 | $59.4M | $50.9M | $3.1M | $8.4M | $153K | 0.34% | 1.47% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.65% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.4% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,641 |
| Q2 2024 | $62.0M | $53.5M | $2.9M | $8.3M | $50K | 0.16% | 1.39% | 0.90% | 2,651 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $51.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 80.6% | 59th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Westchester, NY, ranked 39th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Westchester, NY | 2 | $32.5M* | 0.01% | 39th |
| Putnam, NY | 1 | $16.2M* | 0.50% | 10th |
New York: 292nd with 0.00% · New York-Newark-Jersey City metro: 206th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3