| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.6 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | -5.9% | +2.9% | -8.8 pts |
| ROA | 0.17% | 0.69% | -0.5 pts |
| ROE | 1.7% | 5.9% | -4.2 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $131.4M | $119.9M | $76.4M | $13.0M | $57K | 0.17% | 3.81% | 2.54% | 10,730 |
| Q4 2025 | $126.9M | $115.5M | $77.4M | $13.0M | $1.1M | 0.85% | 3.91% | 1.89% | 10,830 |
| Q3 2025 | $125.0M | $114.0M | $79.7M | $12.8M | $847K | 0.90% | 3.95% | 1.69% | 10,908 |
| Q2 2025 | $126.9M | $116.6M | $80.4M | $12.5M | $592K | 0.93% | 3.83% | 1.25% | 11,012 |
| Q1 2025 | $128.4M | $118.6M | $81.2M | $12.2M | $296K | 0.92% | 3.75% | 1.47% | 11,175 |
| Q4 2024 | $123.9M | $114.8M | $83.3M | $12.0M | $600K | 0.48% | 3.78% | 0.89% | 11,324 |
| Q3 2024 | $125.9M | $116.5M | $85.5M | $11.8M | $447K | 0.47% | 3.71% | 0.68% | 11,445 |
| Q2 2024 | $130.4M | $121.4M | $87.0M | $11.6M | $332K | 0.51% | 3.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 11,546 |
Loan mix (Q1 2026): real estate $42.9M · commercial $3.3M · consumer $29.6M · securities $26.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 78.7% | 79th |
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.