| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.4 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | -2.1% | +2.9% | -5.0 pts |
| ROA | 0.21% | 0.69% | -0.5 pts |
| ROE | 1.6% | 5.9% | -4.3 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $219.1M | $189.0M | $85.7M | $28.2M | $116K | 0.21% | 3.18% | 1.52% | 17,263 |
| Q4 2025 | $210.0M | $179.8M | $86.9M | $28.1M | $701K | 0.33% | 3.31% | 1.28% | 17,497 |
| Q3 2025 | $205.3M | $175.7M | $88.7M | $27.9M | $430K | 0.28% | 3.40% | 1.03% | 17,770 |
| Q2 2025 | $206.0M | $176.6M | $88.4M | $27.6M | $93K | 0.09% | 3.35% | 1.11% | 17,834 |
| Q1 2025 | $208.1M | $178.8M | $87.5M | $27.4M | $-59K | -0.11% | 3.20% | 0.77% | 17,898 |
| Q4 2024 | $192.7M | $163.5M | $87.0M | $27.5M | $2.6M | 1.34% | 3.50% | 1.38% | 17,960 |
| Q3 2024 | $196.3M | $167.6M | $88.2M | $27.2M | $2.2M | 1.51% | 3.44% | 1.41% | 18,222 |
| Q2 2024 | $199.1M | $170.0M | $87.2M | $25.9M | $989K | 0.99% | 3.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.07% |
| 18,293 |
Loan mix (Q1 2026): real estate $32.6M · commercial $0 · consumer $48.6M · securities $62.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 78.7% | 89th |
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.