| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +3.9% | +0.2 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | -2.0% | +2.9% | -5.0 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 6.0% | 5.9% | +0.0 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $150.3M | $138.2M | $106.3M | $11.7M | $175K | 0.47% | 3.88% | 1.02% | 12,048 |
| Q4 2025 | $145.2M | $133.6M | $106.5M | $11.5M | $1.1M | 0.73% | 3.99% | 1.60% | 11,961 |
| Q3 2025 | $143.8M | $132.2M | $107.7M | $11.3M | $805K | 0.75% | 4.00% | 1.24% | 11,945 |
| Q2 2025 | $146.2M | $135.2M | $108.7M | $10.7M | $287K | 0.39% | 3.80% | 1.40% | 11,888 |
| Q1 2025 | $144.4M | $133.8M | $108.5M | $10.4M | $-5K | -0.02% | 3.67% | 1.00% | 11,824 |
| Q4 2024 | $142.3M | $131.4M | $109.5M | $10.4M | $586K | 0.41% | 3.42% | 1.76% | 11,843 |
| Q3 2024 | $143.4M | $132.9M | $110.3M | $10.2M | $349K | 0.32% | 3.30% | 1.03% | 12,141 |
| Q2 2024 | $142.3M | $131.9M | $110.5M | $10.1M | $191K | 0.27% | 3.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 12,312 |
Loan mix (Q1 2026): real estate $30.0M · commercial $161K · consumer $73.6M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.7% | 39th |
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.