| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -1.9% | +3.3% | -5.2 pts |
| Loan growth (YoY) | -5.4% | +2.9% | -8.3 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 3.8% | 5.9% | -2.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $116.9M | $89.4M | $62.7M | $26.0M | $249K | 0.85% | 3.82% | 0.57% | 8,461 |
| Q4 2025 | $119.1M | $91.8M | $64.0M | $25.8M | $2.1M | 1.77% | 3.68% | 0.42% | 8,467 |
| Q3 2025 | $116.9M | $89.7M | $63.0M | $25.6M | $1.9M | 2.21% | 3.97% | 0.35% | 8,491 |
| Q2 2025 | $118.2M | $91.5M | $65.3M | $24.9M | $1.3M | 2.17% | 3.92% | 0.32% | 8,480 |
| Q1 2025 | $116.9M | $91.1M | $66.3M | $24.2M | $557K | 1.91% | 3.98% | 0.37% | 8,493 |
| Q4 2024 | $114.3M | $89.2M | $66.1M | $23.6M | $2.4M | 2.09% | 4.05% | 0.31% | 8,504 |
| Q3 2024 | $111.2M | $86.3M | $67.5M | $23.3M | $2.0M | 2.42% | 4.42% | 0.27% | 8,502 |
| Q2 2024 | $110.9M | $86.6M | $70.0M | $22.6M | $1.3M | 2.35% | 4.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 8,548 |
Loan mix (Q1 2026): real estate $26.6M · commercial $15.7M · consumer $19.3M · securities $31.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 78.7% | 2th |
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.