| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +3.9% | -9.2 pts |
| Share growth (YoY) | -7.0% | +3.3% | -10.3 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.4 pts |
| ROA | 1.29% | 0.69% | +0.6 pts |
| ROE | 12.5% | 5.9% | +6.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $300.1M | $266.6M | $215.9M | $30.9M | $965K | 1.29% | 4.57% | 0.58% | 20,767 |
| Q4 2025 | $296.3M | $263.6M | $202.3M | $30.0M | $3.3M | 1.12% | 4.22% | 0.85% | 20,680 |
| Q3 2025 | $299.4M | $267.7M | $204.6M | $28.8M | $2.1M | 0.91% | 4.08% | 0.89% | 20,571 |
| Q2 2025 | $311.4M | $281.0M | $202.1M | $27.8M | $1.0M | 0.67% | 3.71% | 0.70% | 20,514 |
| Q1 2025 | $316.8M | $286.7M | $203.0M | $26.8M | $-32K | -0.04% | 3.47% | 0.60% | 20,196 |
| Q4 2024 | $304.3M | $274.6M | $190.5M | $26.8M | $4.0M | 1.31% | 3.48% | 0.89% | 20,196 |
| Q3 2024 | $276.8M | $248.2M | $192.1M | $26.0M | $3.1M | 1.48% | 3.82% | 0.72% | 19,937 |
| Q2 2024 | $269.0M | $240.4M | $191.0M | $24.8M | $1.8M | 1.37% | 3.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 19,713 |
Loan mix (Q1 2026): real estate $111.8M · commercial $0 · consumer $87.4M · securities $40.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 78.7% | 14th |
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.