| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.9% | -3.6 pts |
| Share growth (YoY) | -1.7% | +3.3% | -5.0 pts |
| Loan growth (YoY) | -2.9% | +2.9% | -5.8 pts |
| ROA | 0.76% | 0.69% | +0.1 pts |
| ROE | 5.3% | 5.9% | -0.7 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $113.6M | $95.9M | $70.7M | $16.4M | $217K | 0.76% | 4.32% | 1.99% | 6,673 |
| Q4 2025 | $117.4M | $100.1M | $71.8M | $16.2M | $1.9M | 1.63% | 4.34% | 2.92% | 6,722 |
| Q3 2025 | $113.6M | $96.7M | $72.9M | $15.8M | $1.6M | 1.87% | 4.48% | 2.00% | 6,804 |
| Q2 2025 | $114.6M | $97.7M | $72.7M | $15.5M | $1.2M | 2.18% | 4.41% | 1.97% | 6,884 |
| Q1 2025 | $113.3M | $97.6M | $72.8M | $14.5M | $237K | 0.84% | 4.36% | 1.87% | 6,963 |
| Q4 2024 | $115.6M | $100.3M | $72.8M | $14.2M | $1.2M | 1.06% | 4.41% | 2.05% | 7,060 |
| Q3 2024 | $110.1M | $95.4M | $73.3M | $13.9M | $898K | 1.09% | 4.68% | 3.14% | 7,134 |
| Q2 2024 | $114.1M | $99.0M | $73.0M | $13.6M | $632K | 1.11% | 4.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.69% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.04% |
| 7,244 |
Loan mix (Q1 2026): real estate $56.9M · commercial $0 · consumer $13.7M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 78.7% | 57th |
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.