| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.9% | +6.8 pts |
| Share growth (YoY) | +11.2% | +3.3% | +7.9 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | -0.15% | 0.69% | -0.8 pts |
| ROE | -1.6% | 5.9% | -7.5 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $403.1M | $366.8M | $319.4M | $37.2M | $-147K | -0.15% | 5.55% | 2.27% | 40,441 |
| Q4 2025 | $392.5M | $355.5M | $317.2M | $37.4M | $4.0M | 1.01% | 5.58% | 1.91% | 40,729 |
| Q3 2025 | $382.8M | $344.3M | $314.3M | $37.4M | $3.5M | 1.21% | 5.61% | 1.63% | 40,706 |
| Q2 2025 | $374.6M | $340.5M | $306.4M | $34.1M | $225K | 0.12% | 5.62% | 1.40% | 40,198 |
| Q1 2025 | $364.3M | $329.8M | $303.2M | $34.0M | $80K | 0.09% | 5.62% | 1.28% | 40,059 |
| Q4 2024 | $359.5M | $310.6M | $300.5M | $33.9M | $1.1M | 0.30% | 5.26% | 1.53% | 39,885 |
| Q3 2024 | $359.5M | $304.4M | $299.3M | $34.0M | $612K | 0.23% | 5.12% | 1.32% | 39,868 |
| Q2 2024 | $350.2M | $301.5M | $291.7M | $34.0M | $623K | 0.36% | 5.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.69% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -1.6% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.55% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 39,639 |
Loan mix (Q1 2026): real estate $54.2M · commercial $415K · consumer $254.7M · securities $40.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 78.7% | 23th |
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.