Rome
Rome, NY · Charter 1810 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$33.5MAssets
$15.1MLoans
$29.9MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 50% of credit unions under $1B in assets (rank 848 of 1682).
- Widest gap: nonperforming loans / loans trails 85% of credit unions under $1B in assets (rank 1434 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.58%
Rank 1,029 of 1,683
Net Interest Margin
3.62%
Rank 1,014 of 1,683
Efficiency Ratio
78.31%
Rank 848 of 1,682
Equity / Assets
10.70%
Rank 1,219 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,029 / 1,683 | |
| Return on Equity | 5.47% | 2.67% | 5.89% | 8.74% | Beats 46% | 905 / 1,681 | |
| Net Interest Margin | 3.62% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,014 / 1,683 | |
| Efficiency Ratio | 78.31% | 68.91% | 78.20% | 86.93% | Beats 50% | 848 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.92% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,434 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.70% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,219 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.70% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,219 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 50.64% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,307 / 1,683 | |
| Loans / Assets | 45.14% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,251 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |