| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +1.5% | +3.3% | -1.8 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.5 pts |
| ROA | 0.21% | 0.69% | -0.5 pts |
| ROE | 2.0% | 5.9% | -3.9 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $207.6M | $188.7M | $90.3M | $21.9M | $110K | 0.21% | 3.44% | 0.97% | 22,320 |
| Q4 2025 | $206.7M | $188.0M | $90.9M | $21.8M | $364K | 0.18% | 3.33% | 1.02% | 22,302 |
| Q3 2025 | $202.9M | $184.2M | $90.8M | $21.9M | $197K | 0.13% | 3.34% | 1.22% | 22,457 |
| Q2 2025 | $203.2M | $184.6M | $89.3M | $21.7M | $22K | 0.02% | 3.26% | 0.82% | 22,525 |
| Q1 2025 | $204.1M | $185.9M | $87.3M | $21.3M | $-394K | -0.77% | 3.13% | 1.09% | 22,450 |
| Q4 2024 | $201.6M | $182.9M | $86.1M | $21.7M | $98K | 0.05% | 2.97% | 1.65% | 22,408 |
| Q3 2024 | $197.1M | $178.6M | $83.5M | $22.0M | $192K | 0.13% | 3.00% | 1.60% | 22,700 |
| Q2 2024 | $201.5M | $183.1M | $83.8M | $22.0M | $204K | 0.20% | 2.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.44% |
| 22,758 |
Loan mix (Q1 2026): real estate $43.6M · commercial $65K · consumer $45.3M · securities $75.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 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.