| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.8 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | -9.1% | +2.9% | -12.0 pts |
| ROA | 0.02% | 0.69% | -0.7 pts |
| ROE | 0.2% | 5.9% | -5.7 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $173.1M | $156.8M | $123.5M | $15.6M | $9K | 0.02% | 3.01% | 0.76% | 9,173 |
| Q4 2025 | $172.3M | $155.8M | $127.3M | $15.5M | $251K | 0.15% | 3.00% | 0.92% | 9,210 |
| Q3 2025 | $169.8M | $153.3M | $130.3M | $15.7M | $172K | 0.14% | 3.01% | 0.53% | 9,265 |
| Q2 2025 | $166.2M | $150.1M | $133.4M | $15.6M | $83K | 0.10% | 3.03% | 0.43% | 9,242 |
| Q1 2025 | $167.8M | $151.6M | $135.8M | $15.4M | $-46K | -0.11% | 2.92% | 0.72% | 9,240 |
| Q4 2024 | $168.6M | $152.1M | $138.9M | $15.5M | $-67K | -0.04% | 2.85% | 1.16% | 9,314 |
| Q3 2024 | $166.2M | $147.6M | $140.5M | $15.7M | $-87K | -0.07% | 2.88% | 0.78% | 9,306 |
| Q2 2024 | $166.8M | $149.6M | $143.0M | $15.6M | $-105K | -0.13% | 2.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 9,241 |
Loan mix (Q1 2026): real estate $77.2M · commercial $9.2M · consumer $34.2M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 78.7% | 90th |
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.