| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 0.05% | 0.69% | -0.6 pts |
| ROE | 0.4% | 5.9% | -5.5 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $137.3M | $121.7M | $85.4M | $15.7M | $18K | 0.05% | 3.75% | 0.23% | 10,646 |
| Q4 2025 | $131.0M | $120.0M | $87.1M | $15.8M | $583K | 0.44% | 3.97% | 0.38% | 10,603 |
| Q3 2025 | $129.7M | $117.7M | $87.5M | $15.6M | $397K | 0.41% | 3.98% | 0.44% | 10,562 |
| Q2 2025 | $132.1M | $117.7M | $88.6M | $15.5M | $251K | 0.38% | 3.89% | 0.26% | 10,472 |
| Q1 2025 | $133.5M | $118.7M | $87.1M | $15.3M | $68K | 0.20% | 3.79% | 0.15% | 10,516 |
| Q4 2024 | $131.4M | $116.6M | $86.3M | $15.3M | $672K | 0.51% | 3.81% | 0.33% | 10,472 |
| Q3 2024 | $134.7M | $118.2M | $85.9M | $15.1M | $445K | 0.44% | 3.66% | 0.28% | 10,439 |
| Q2 2024 | $137.3M | $119.1M | $87.8M | $15.0M | $343K | 0.50% | 3.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 10,367 |
Loan mix (Q1 2026): real estate $24.6M · commercial $0 · consumer $51.6M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.7% | 78.7% | 86th |
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.