| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.9 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +8.1% | +2.9% | +5.2 pts |
| ROA | 0.44% | 0.69% | -0.2 pts |
| ROE | 3.8% | 5.9% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $180.9M | $159.2M | $129.8M | $21.3M | $200K | 0.44% | 2.80% | 0.00% | 6,315 |
| Q4 2025 | $177.8M | $156.2M | $126.0M | $21.1M | $1.2M | 0.68% | 2.69% | 0.04% | 6,307 |
| Q3 2025 | $175.4M | $154.0M | $123.3M | $21.0M | $1.1M | 0.87% | 2.68% | 0.05% | 6,253 |
| Q2 2025 | $178.0M | $156.9M | $122.4M | $20.8M | $924K | 1.04% | 2.57% | 0.03% | 6,221 |
| Q1 2025 | $175.5M | $155.3M | $120.0M | $19.9M | $55K | 0.13% | 2.47% | 0.11% | 6,183 |
| Q4 2024 | $174.5M | $154.6M | $120.6M | $19.8M | $-570K | -0.33% | 2.18% | 0.36% | 6,162 |
| Q3 2024 | $173.7M | $153.8M | $113.3M | $20.0M | $-395K | -0.30% | 2.11% | 0.10% | 6,180 |
| Q2 2024 | $176.5M | $156.9M | $113.3M | $20.1M | $-293K | -0.33% | 2.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 6,163 |
Loan mix (Q1 2026): real estate $106.1M · commercial $1.9M · consumer $20.5M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 78.7% | 74th |
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.