| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | +2.1% | +2.9% | -0.8 pts |
| ROA | 0.54% | 0.69% | -0.2 pts |
| ROE | 3.0% | 5.9% | -3.0 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $362.5M | $293.8M | $235.4M | $65.5M | $488K | 0.54% | 3.22% | 0.98% | 14,217 |
| Q4 2025 | $358.4M | $290.6M | $233.5M | $65.2M | $4.4M | 1.22% | 3.34% | 0.93% | 14,247 |
| Q3 2025 | $351.1M | $283.5M | $236.5M | $64.8M | $3.9M | 1.48% | 3.42% | 0.85% | 14,205 |
| Q2 2025 | $348.0M | $281.7M | $227.1M | $64.0M | $3.0M | 1.75% | 3.45% | 0.79% | 14,100 |
| Q1 2025 | $353.2M | $289.1M | $230.5M | $61.6M | $692K | 0.78% | 3.32% | 0.85% | 14,085 |
| Q4 2024 | $338.2M | $275.2M | $233.4M | $60.9M | $5.4M | 1.61% | 3.59% | 0.88% | 13,975 |
| Q3 2024 | $333.1M | $270.7M | $229.5M | $60.3M | $4.8M | 1.92% | 3.63% | 0.53% | 13,937 |
| Q2 2024 | $331.9M | $273.9M | $226.5M | $59.0M | $1.0M | 0.61% | 3.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 13,866 |
Loan mix (Q1 2026): real estate $173.4M · commercial $0 · consumer $58.8M · securities $37.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 78.7% | 74th |
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% |
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