| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | -7.6% | +3.3% | -10.9 pts |
| Loan growth (YoY) | +42.1% | +2.9% | +39.2 pts |
| ROA | -0.03% | 0.69% | -0.7 pts |
| ROE | -0.3% | 5.9% | -6.2 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $255.2M | $208.6M | $83.8M | $22.9M | $-16K | -0.03% | 2.95% | 0.01% | 14,221 |
| Q4 2025 | $228.8M | $212.2M | $64.8M | $22.9M | $697K | 0.30% | 2.91% | 0.27% | 14,357 |
| Q3 2025 | $230.4M | $214.9M | $65.7M | $22.7M | $479K | 0.28% | 2.77% | 0.34% | 14,738 |
| Q2 2025 | $233.8M | $219.7M | $60.7M | $22.5M | $339K | 0.29% | 2.56% | 0.49% | 14,898 |
| Q1 2025 | $238.8M | $225.7M | $58.9M | $22.4M | $174K | 0.29% | 2.33% | 0.44% | 15,082 |
| Q4 2024 | $234.5M | $223.9M | $63.6M | $22.2M | $237K | 0.10% | 2.30% | 0.73% | 15,198 |
| Q3 2024 | $236.1M | $223.4M | $68.1M | $21.9M | $-93K | -0.05% | 2.30% | 0.48% | 15,332 |
| Q2 2024 | $235.8M | $226.0M | $73.4M | $22.1M | $115K | 0.10% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 15,550 |
Loan mix (Q1 2026): real estate $28.6M · commercial $15.9M · consumer $38.2M · securities $144.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 78.7% | 95th |
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.