| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +3.9% | -8.2 pts |
| Share growth (YoY) | -5.7% | +3.3% | -9.0 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 0.14% | 0.69% | -0.6 pts |
| ROE | 0.8% | 5.9% | -5.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $282.2M | $231.6M | $184.2M | $48.5M | $99K | 0.14% | 3.45% | 0.73% | 21,845 |
| Q4 2025 | $280.8M | $230.2M | $181.7M | $48.4M | $1.4M | 0.49% | 3.50% | 0.76% | 21,927 |
| Q3 2025 | $281.8M | $231.3M | $183.1M | $48.2M | $1.1M | 0.52% | 3.46% | 0.93% | 22,850 |
| Q2 2025 | $291.1M | $241.5M | $186.4M | $47.8M | $708K | 0.49% | 3.30% | 1.08% | 23,391 |
| Q1 2025 | $294.7M | $245.6M | $189.1M | $47.3M | $126K | 0.17% | 3.20% | 0.69% | 24,427 |
| Q4 2024 | $288.4M | $240.5M | $192.3M | $47.1M | $192K | 0.07% | 2.85% | 0.71% | 24,611 |
| Q3 2024 | $272.8M | $225.1M | $180.3M | $46.2M | $347K | 0.17% | 2.98% | 0.56% | 21,056 |
| Q2 2024 | $278.4M | $232.3M | $182.0M | $46.1M | $238K | 0.17% | 2.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 21,200 |
Loan mix (Q1 2026): real estate $83.6M · commercial $5.8M · consumer $94.6M · securities $57.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 78.7% | 91th |
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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