| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.9% | -5.5 pts |
| Share growth (YoY) | -7.0% | +3.3% | -10.3 pts |
| Loan growth (YoY) | -4.5% | +2.9% | -7.5 pts |
| ROA | 2.64% | 0.69% | +1.9 pts |
| ROE | 7.1% | 5.9% | +1.1 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $137.4M | $82.9M | $12.5M | $51.0M | $906K | 2.64% | 3.69% | 1.53% | 9,446 |
| Q4 2025 | $135.7M | $82.4M | $13.3M | $50.0M | $3.9M | 2.89% | 4.12% | 1.50% | 9,596 |
| Q3 2025 | $136.7M | $84.1M | $13.0M | $49.1M | $3.0M | 2.97% | 4.18% | 2.10% | 9,734 |
| Q2 2025 | $138.9M | $87.4M | $13.3M | $48.0M | $2.0M | 2.81% | 4.14% | 1.72% | 10,291 |
| Q1 2025 | $139.7M | $89.2M | $13.1M | $46.9M | $852K | 2.44% | 4.08% | 2.29% | 10,766 |
| Q4 2024 | $135.6M | $89.5M | $13.8M | $45.9M | $3.7M | 2.73% | 3.85% | 3.72% | 11,246 |
| Q3 2024 | $139.8M | $94.7M | $13.5M | $45.0M | $2.7M | 2.60% | 3.59% | 2.07% | 14,481 |
| Q2 2024 | $141.7M | $97.3M | $13.9M | $43.9M | $1.7M | 2.34% | 3.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.64% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.53% |
| 15,319 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $102.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 20.3% | 78.7% | 0th |
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.