| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +3.9% | +0.3 pts |
| Share growth (YoY) | +4.7% | +3.3% | +1.4 pts |
| Loan growth (YoY) | -0.2% | +2.9% | -3.1 pts |
| ROA | 0.24% | 0.69% | -0.5 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $394.2M | $334.7M | $295.2M | $43.4M | $234K | 0.24% | 3.81% | 1.05% | 21,084 |
| Q4 2025 | $381.4M | $320.9M | $301.0M | $43.2M | $1.9M | 0.51% | 3.86% | 1.06% | 21,356 |
| Q3 2025 | $387.8M | $328.3M | $300.1M | $42.4M | $962K | 0.33% | 3.71% | 1.07% | 21,751 |
| Q2 2025 | $381.9M | $322.4M | $295.7M | $41.9M | $489K | 0.26% | 3.69% | 1.09% | 22,317 |
| Q1 2025 | $378.2M | $319.5M | $295.7M | $41.6M | $204K | 0.22% | 3.66% | 1.23% | 22,626 |
| Q4 2024 | $373.9M | $316.0M | $299.6M | $41.4M | $-1.8M | -0.49% | 3.52% | 1.25% | 22,643 |
| Q3 2024 | $375.7M | $316.7M | $301.2M | $42.3M | $-1.1M | -0.38% | 3.42% | 1.19% | 25,296 |
| Q2 2024 | $394.3M | $333.7M | $304.0M | $42.1M | $-1.3M | -0.64% | 3.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.93% |
| 25,496 |
Loan mix (Q1 2026): real estate $86.7M · commercial $85.8M · consumer $111.2M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 54th |
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.