| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.8 pts |
| ROA | 0.18% | 0.69% | -0.5 pts |
| ROE | 2.1% | 5.9% | -3.9 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 | $255.4M | $232.6M | $143.7M | $22.8M | $117K | 0.18% | 2.99% | 0.43% | 17,796 |
| Q4 2025 | $248.7M | $225.6M | $146.4M | $22.7M | $583K | 0.23% | 2.91% | 0.37% | 18,011 |
| Q3 2025 | $247.7M | $223.9M | $148.2M | $22.7M | $312K | 0.17% | 2.88% | 0.45% | 18,262 |
| Q2 2025 | $251.5M | $228.7M | $146.4M | $22.6M | $200K | 0.16% | 2.76% | 0.52% | 18,447 |
| Q1 2025 | $251.9M | $229.9M | $142.1M | $22.5M | $147K | 0.23% | 2.67% | 0.45% | 18,638 |
| Q4 2024 | $244.7M | $223.7M | $143.4M | $22.4M | $8K | 0.00% | 2.76% | 0.53% | 18,542 |
| Q3 2024 | $247.1M | $224.3M | $146.4M | $22.4M | $-163K | -0.09% | 2.74% | 0.54% | 19,120 |
| Q2 2024 | $256.8M | $229.2M | $150.7M | $22.2M | $-326K | -0.25% | 2.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 19,052 |
Loan mix (Q1 2026): real estate $70.9M · commercial $1.7M · consumer $66.8M · securities $77.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 78.7% | 88th |
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.