| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +4.1% | +2.9% | +1.2 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 2.0% | 5.9% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $217.5M | $186.2M | $88.0M | $30.5M | $150K | 0.28% | 3.33% | 0.33% | 14,437 |
| Q4 2025 | $215.8M | $184.0M | $84.6M | $30.4M | $1.1M | 0.53% | 3.32% | 0.52% | 14,501 |
| Q3 2025 | $209.2M | $178.2M | $83.5M | $30.1M | $879K | 0.56% | 3.40% | 0.45% | 14,604 |
| Q2 2025 | $211.1M | $181.1M | $83.8M | $30.6M | $584K | 0.55% | 3.33% | 0.50% | 14,690 |
| Q1 2025 | $211.4M | $182.2M | $84.6M | $30.3M | $289K | 0.55% | 3.28% | 0.29% | 14,794 |
| Q4 2024 | $210.5M | $182.6M | $87.1M | $30.0M | $2.5M | 1.20% | 3.32% | 0.39% | 14,928 |
| Q3 2024 | $206.3M | $178.1M | $85.3M | $29.4M | $2.0M | 1.26% | 3.41% | 0.28% | 15,035 |
| Q2 2024 | $206.1M | $178.8M | $86.9M | $28.8M | $1.3M | 1.28% | 3.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 15,188 |
Loan mix (Q1 2026): real estate $18.6M · commercial $0 · consumer $68.2M · securities $89.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 78.7% | 70th |
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 |
|---|---|---|---|---|
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.