| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +3.9% | +2.2 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.8 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $183.7M | $162.7M | $149.5M | $19.7M | $254K | 0.55% | 3.56% | 0.08% | 12,381 |
| Q4 2025 | $181.1M | $160.5M | $150.3M | $19.8M | $1.6M | 0.89% | 3.52% | 0.26% | 12,361 |
| Q3 2025 | $179.5M | $159.1M | $152.6M | $19.6M | $1.1M | 0.84% | 3.51% | 0.15% | 12,383 |
| Q2 2025 | $172.9M | $153.0M | $152.6M | $19.2M | $725K | 0.84% | 3.56% | 0.30% | 12,406 |
| Q1 2025 | $173.1M | $153.5M | $150.8M | $18.8M | $331K | 0.76% | 3.42% | 0.06% | 12,279 |
| Q4 2024 | $169.2M | $150.3M | $150.7M | $18.8M | $655K | 0.39% | 3.34% | 0.58% | 12,286 |
| Q3 2024 | $168.9M | $150.1M | $149.6M | $18.8M | $467K | 0.37% | 3.31% | 0.53% | 12,308 |
| Q2 2024 | $164.8M | $146.0M | $147.7M | $18.7M | $347K | 0.42% | 3.39% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 12,404 |
Loan mix (Q1 2026): real estate $102.4M · commercial $2.2M · consumer $30.4M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 78.7% | 77th |
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.