| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | -8.1% | +2.9% | -11.0 pts |
| ROA | 0.24% | 0.69% | -0.5 pts |
| ROE | 1.6% | 5.9% | -4.4 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.5M | $120.4M | $28.1M | $24.9M | $98K | 0.24% | 2.92% | 1.22% | 12,392 |
| Q4 2025 | $164.8M | $118.5M | $29.0M | $24.8M | $613K | 0.37% | 2.78% | 1.01% | 12,447 |
| Q3 2025 | $159.3M | $115.7M | $29.4M | $24.1M | $471K | 0.39% | 2.82% | 0.88% | 10,426 |
| Q2 2025 | $159.7M | $117.3M | $30.1M | $24.1M | $402K | 0.50% | 2.82% | 0.30% | 11,651 |
| Q1 2025 | $161.4M | $119.5M | $30.6M | $23.9M | $244K | 0.60% | 2.83% | 0.37% | 11,552 |
| Q4 2024 | $157.1M | $116.6M | $32.1M | $23.7M | $818K | 0.52% | 2.74% | 0.28% | 11,673 |
| Q3 2024 | $159.4M | $117.4M | $33.0M | $23.5M | $594K | 0.50% | 2.67% | 0.25% | 11,723 |
| Q2 2024 | $161.2M | $120.8M | $33.6M | $23.1M | $221K | 0.27% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 12,197 |
Loan mix (Q1 2026): real estate $7.4M · commercial $0 · consumer $19.7M · securities $118.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 78.7% | 83th |
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.