| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +3.9% | +6.2 pts |
| Share growth (YoY) | +11.9% | +3.3% | +8.6 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.6 pts |
| ROA | 0.02% | 0.69% | -0.7 pts |
| ROE | 0.1% | 5.9% | -5.8 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 | $156.1M | $132.2M | $104.5M | $22.7M | $8K | 0.02% | 3.74% | 1.61% | 12,930 |
| Q4 2025 | $143.4M | $119.3M | $104.9M | $22.7M | $-52K | -0.04% | 3.52% | 1.24% | 12,770 |
| Q3 2025 | $141.8M | $117.7M | $104.1M | $23.0M | $224K | 0.21% | 3.50% | 0.79% | 13,754 |
| Q2 2025 | $141.1M | $117.4M | $102.5M | $22.8M | $27K | 0.04% | 3.42% | 0.80% | 13,623 |
| Q1 2025 | $141.8M | $118.2M | $102.1M | $22.8M | $52K | 0.15% | 3.37% | 0.55% | 13,525 |
| Q4 2024 | $138.7M | $115.1M | $103.9M | $22.8M | $171K | 0.12% | 3.24% | 0.67% | 13,495 |
| Q3 2024 | $139.6M | $115.9M | $98.6M | $22.7M | $148K | 0.14% | 3.14% | 0.89% | 13,411 |
| Q2 2024 | $141.5M | $118.0M | $98.8M | $22.8M | $215K | 0.30% | 3.02% |
| 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 | 0.1% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 13,353 |
Loan mix (Q1 2026): real estate $37.0M · commercial $5.5M · consumer $54.0M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.7% | 57th |
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.