| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.9% | -3.6 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +3.2% | +2.9% | +0.3 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 4.3% | 5.9% | -1.7 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $148.8M | $129.7M | $100.4M | $16.9M | $181K | 0.49% | 4.66% | 0.64% | 15,900 |
| Q4 2025 | $148.5M | $128.8M | $99.4M | $16.7M | $554K | 0.37% | 4.70% | 0.93% | 16,098 |
| Q3 2025 | $148.1M | $127.6M | $100.5M | $16.8M | $348K | 0.31% | 4.67% | 1.00% | 16,307 |
| Q2 2025 | $148.7M | $128.1M | $99.4M | $16.6M | $174K | 0.23% | 4.60% | 1.04% | 16,584 |
| Q1 2025 | $148.3M | $126.8M | $97.3M | $16.6M | $164K | 0.44% | 4.53% | 1.14% | 16,585 |
| Q4 2024 | $144.2M | $122.3M | $96.0M | $16.4M | $581K | 0.40% | 4.59% | 1.90% | 19,420 |
| Q3 2024 | $143.3M | $120.8M | $96.4M | $16.7M | $592K | 0.55% | 4.63% | 2.06% | 19,510 |
| Q2 2024 | $143.9M | $121.9M | $96.2M | $16.6M | $449K | 0.62% | 4.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.36% |
| 19,622 |
Loan mix (Q1 2026): real estate $56.2M · commercial $2.4M · consumer $41.5M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 78.7% | 81th |
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.