| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.9% | +0.9 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | +5.0% | +2.9% | +2.1 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.9% | 5.9% | -3.1 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $195.6M | $171.3M | $86.3M | $23.7M | $170K | 0.35% | 1.66% | 0.24% | 12,339 |
| Q4 2025 | $191.6M | $167.5M | $88.7M | $23.5M | $601K | 0.31% | 1.66% | 0.38% | 12,383 |
| Q3 2025 | $189.3M | $164.7M | $88.4M | $23.4M | $525K | 0.37% | 1.67% | 0.28% | 12,412 |
| Q2 2025 | $188.6M | $164.2M | $85.1M | $23.3M | $348K | 0.37% | 1.64% | 0.29% | 12,319 |
| Q1 2025 | $186.7M | $162.5M | $82.2M | $23.1M | $186K | 0.40% | 1.63% | 0.26% | 12,288 |
| Q4 2024 | $184.7M | $160.7M | $81.9M | $22.9M | $-332K | -0.18% | 1.16% | 0.27% | 12,254 |
| Q3 2024 | $183.1M | $158.9M | $82.0M | $22.9M | $-315K | -0.23% | 1.07% | 0.05% | 12,219 |
| Q2 2024 | $182.6M | $158.5M | $81.3M | $23.0M | $-264K | -0.29% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 12,100 |
Loan mix (Q1 2026): real estate $38.2M · commercial $836K · consumer $44.1M · securities $91.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 78.7% | 50th |
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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