| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.1 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | +4.5% | +2.9% | +1.6 pts |
| ROA | 0.27% | 0.69% | -0.4 pts |
| ROE | 3.4% | 5.9% | -2.6 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $141.6M | $130.9M | $91.6M | $11.3M | $95K | 0.27% | 3.76% | 0.44% | 14,712 |
| Q4 2025 | $136.8M | $126.1M | $90.8M | $11.2M | $995K | 0.73% | 3.85% | 0.42% | 14,513 |
| Q3 2025 | $136.0M | $125.5M | $89.3M | $10.9M | $610K | 0.60% | 3.82% | 0.28% | 14,658 |
| Q2 2025 | $134.9M | $125.6M | $88.8M | $10.6M | $321K | 0.48% | 3.78% | 0.38% | 14,710 |
| Q1 2025 | $139.1M | $130.0M | $87.6M | $10.3M | $67K | 0.19% | 3.50% | 0.32% | 14,798 |
| Q4 2024 | $136.7M | $126.7M | $86.6M | $10.2M | $1.0M | 0.76% | 3.37% | 0.32% | 14,825 |
| Q3 2024 | $135.0M | $126.3M | $85.8M | $10.0M | $695K | 0.69% | 3.35% | 0.43% | 14,922 |
| Q2 2024 | $133.9M | $124.6M | $85.5M | $9.8M | $523K | 0.78% | 3.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 14,953 |
Loan mix (Q1 2026): real estate $24.3M · commercial $0 · consumer $59.5M · securities $25.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 78.7% | 87th |
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.