| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | -0.1% | +3.3% | -3.3 pts |
| Loan growth (YoY) | -5.6% | +2.9% | -8.5 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.3% | 5.9% | -3.7 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $334.8M | $298.7M | $202.1M | $31.7M | $182K | 0.22% | 2.29% | 2.57% | 30,768 |
| Q4 2025 | $332.6M | $296.1M | $205.6M | $31.5M | $2.3M | 0.68% | 2.47% | 2.64% | 30,294 |
| Q3 2025 | $331.7M | $296.7M | $208.6M | $31.1M | $1.8M | 0.72% | 2.52% | 2.67% | 29,962 |
| Q2 2025 | $329.3M | $295.8M | $209.7M | $30.1M | $832K | 0.51% | 2.50% | 0.23% | 29,855 |
| Q1 2025 | $331.7M | $298.8M | $214.0M | $29.4M | $161K | 0.19% | 2.37% | 0.30% | 29,093 |
| Q4 2024 | $324.0M | $292.2M | $217.3M | $29.3M | $1.7M | 0.53% | 2.31% | 0.22% | 28,918 |
| Q3 2024 | $312.1M | $280.8M | $219.6M | $28.8M | $1.2M | 0.52% | 2.44% | 0.32% | 28,350 |
| Q2 2024 | $308.1M | $277.1M | $220.6M | $28.2M | $617K | 0.40% | 2.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 28,350 |
Loan mix (Q1 2026): real estate $156.2M · commercial $11.7M · consumer $27.6M · securities $49.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 78.7% | 82th |
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.