| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.5 pts |
| ROA | 0.05% | 0.69% | -0.6 pts |
| ROE | 0.4% | 5.9% | -5.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $314.5M | $277.7M | $157.8M | $35.8M | $37K | 0.05% | 4.10% | 0.46% | 20,602 |
| Q4 2025 | $301.6M | $264.3M | $160.4M | $35.7M | $862K | 0.29% | 4.38% | 0.41% | 20,696 |
| Q3 2025 | $297.9M | $261.6M | $162.7M | $35.8M | $900K | 0.40% | 4.36% | 0.42% | 20,873 |
| Q2 2025 | $301.6M | $266.1M | $160.6M | $35.6M | $639K | 0.42% | 4.25% | 0.37% | 20,974 |
| Q1 2025 | $306.5M | $273.0M | $157.2M | $35.1M | $165K | 0.22% | 4.08% | 0.49% | 21,067 |
| Q4 2024 | $293.9M | $261.2M | $158.7M | $34.9M | $1.1M | 0.38% | 4.14% | 0.54% | 21,136 |
| Q3 2024 | $292.9M | $260.5M | $158.1M | $34.9M | $1.0M | 0.46% | 4.14% | 0.53% | 21,278 |
| Q2 2024 | $303.2M | $272.8M | $160.3M | $34.6M | $720K | 0.48% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 21,457 |
Loan mix (Q1 2026): real estate $34.7M · commercial $0 · consumer $116.0M · securities $77.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.6% | 78.7% | 95th |
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.