| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | -4.7% | +2.9% | -7.6 pts |
| ROA | 0.67% | 0.69% | -0.0 pts |
| ROE | 3.9% | 5.9% | -2.1 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $138.8M | $114.2M | $68.9M | $24.2M | $234K | 0.67% | 3.57% | 2.21% | 7,432 |
| Q4 2025 | $134.9M | $110.5M | $70.5M | $24.0M | $-412K | -0.31% | 4.02% | 2.05% | 7,420 |
| Q3 2025 | $134.3M | $109.7M | $72.4M | $24.3M | $-151K | -0.15% | 4.11% | 1.76% | 7,462 |
| Q2 2025 | $136.1M | $111.6M | $74.2M | $24.3M | $-143K | -0.21% | 3.83% | 1.48% | 7,464 |
| Q1 2025 | $135.9M | $111.1M | $72.3M | $24.5M | $83K | 0.24% | 3.75% | 0.90% | 7,461 |
| Q4 2024 | $124.9M | $100.1M | $67.8M | $24.5M | $993K | 0.80% | 3.92% | 1.46% | 7,419 |
| Q3 2024 | $125.8M | $101.5M | $66.3M | $24.2M | $719K | 0.76% | 3.87% | 1.38% | 7,427 |
| Q2 2024 | $125.0M | $101.1M | $66.0M | $23.9M | $337K | 0.54% | 3.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 7,451 |
Loan mix (Q1 2026): real estate $39.9M · commercial $3.6M · consumer $24.1M · securities $42.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 78.7% | 69th |
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% |
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