| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.9% | +1.5 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.0 pts |
| ROA | -0.01% | 0.69% | -0.7 pts |
| ROE | -0.1% | 5.9% | -6.1 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $119.2M | $106.3M | $72.7M | $12.5M | $-4K | -0.01% | 3.58% | 1.16% | 8,011 |
| Q4 2025 | $116.9M | $104.1M | $73.0M | $12.5M | $427K | 0.37% | 3.65% | 0.88% | 8,200 |
| Q3 2025 | $112.7M | $99.8M | $73.2M | $12.5M | $440K | 0.52% | 3.80% | 0.71% | 8,335 |
| Q2 2025 | $110.7M | $98.0M | $72.9M | $12.3M | $239K | 0.43% | 3.87% | 0.59% | 8,572 |
| Q1 2025 | $113.1M | $100.6M | $75.0M | $12.2M | $71K | 0.25% | 3.67% | 0.31% | 8,574 |
| Q4 2024 | $108.6M | $96.5M | $77.4M | $12.1M | $194K | 0.18% | 3.75% | 0.55% | 8,596 |
| Q3 2024 | $108.7M | $96.3M | $79.5M | $12.2M | $193K | 0.24% | 3.68% | 0.31% | 8,908 |
| Q2 2024 | $112.1M | $99.8M | $76.5M | $12.1M | $121K | 0.22% | 3.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 8,901 |
Loan mix (Q1 2026): real estate $47.0M · commercial $2.7M · consumer $21.7M · securities $18.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.7% | 78.7% | 96th |
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% |
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