| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.5 pts |
| Share growth (YoY) | -0.5% | +3.3% | -3.8 pts |
| Loan growth (YoY) | -6.9% | +2.9% | -9.8 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.3 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $123.4M | $104.3M | $69.4M | $17.3M | $158K | 0.51% | 4.64% | 1.24% | 10,167 |
| Q4 2025 | $122.5M | $103.5M | $70.5M | $17.1M | $1.0M | 0.85% | 4.69% | 1.12% | 10,587 |
| Q3 2025 | $122.7M | $104.0M | $71.9M | $16.9M | $850K | 0.92% | 4.67% | 0.89% | 10,660 |
| Q2 2025 | $123.1M | $104.6M | $73.4M | $16.7M | $567K | 0.92% | 4.61% | 0.67% | 10,715 |
| Q1 2025 | $122.8M | $104.9M | $74.6M | $16.4M | $260K | 0.85% | 4.57% | 0.57% | 10,735 |
| Q4 2024 | $121.5M | $103.7M | $77.3M | $16.1M | $3.7M | 3.09% | 4.34% | 0.70% | 10,752 |
| Q3 2024 | $119.8M | $102.1M | $77.1M | $15.9M | $3.5M | 3.94% | 4.31% | 0.38% | 10,866 |
| Q2 2024 | $120.8M | $103.0M | $78.8M | $15.7M | $3.3M | 5.50% | 4.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 10,955 |
Loan mix (Q1 2026): real estate $26.3M · commercial $0 · consumer $42.3M · securities $37.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 71th |
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% |
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