| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.5 pts |
| Loan growth (YoY) | -6.8% | +2.9% | -9.7 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $113.8M | $95.0M | $41.2M | $18.1M | $159K | 0.56% | 3.72% | 0.31% | 8,907 |
| Q4 2025 | $109.3M | $90.9M | $42.6M | $18.0M | $623K | 0.57% | 4.07% | 0.41% | 8,941 |
| Q3 2025 | $110.6M | $92.0M | $43.2M | $18.0M | $522K | 0.63% | 4.04% | 0.24% | 8,993 |
| Q2 2025 | $112.6M | $93.8M | $44.1M | $17.8M | $380K | 0.67% | 3.94% | 1.94% | 9,051 |
| Q1 2025 | $113.5M | $95.3M | $44.1M | $17.7M | $238K | 0.84% | 3.84% | 1.42% | 9,075 |
| Q4 2024 | $109.2M | $91.2M | $45.2M | $17.5M | $341K | 0.31% | 3.67% | 1.16% | 9,117 |
| Q3 2024 | $111.0M | $92.9M | $46.4M | $17.6M | $298K | 0.36% | 3.52% | 1.06% | 9,142 |
| Q2 2024 | $112.4M | $94.6M | $46.6M | $17.5M | $272K | 0.48% | 3.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.55% |
| 9,214 |
Loan mix (Q1 2026): real estate $16.9M · commercial $0 · consumer $21.2M · securities $54.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.7% | 38th |
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.