| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +3.9% | -1.2 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.3 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.8 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $139.3M | $127.0M | $54.3M | $15.3M | $192K | 0.55% | 2.90% | 1.11% | 7,805 |
| Q4 2025 | $144.0M | $131.9M | $55.3M | $15.1M | $1.0M | 0.70% | 2.69% | 1.59% | 7,827 |
| Q3 2025 | $139.9M | $128.6M | $56.1M | $14.8M | $677K | 0.65% | 2.73% | 1.35% | 8,750 |
| Q2 2025 | $138.0M | $127.5M | $56.9M | $14.4M | $341K | 0.49% | 2.72% | 1.44% | 8,707 |
| Q1 2025 | $135.7M | $125.7M | $56.5M | $14.2M | $134K | 0.39% | 2.69% | 0.93% | 8,618 |
| Q4 2024 | $131.6M | $122.5M | $56.6M | $14.1M | $1.1M | 0.87% | 2.80% | 0.43% | 8,541 |
| Q3 2024 | $130.2M | $120.5M | $56.8M | $13.8M | $1.2M | 1.22% | 2.84% | 0.49% | 8,521 |
| Q2 2024 | $137.5M | $124.0M | $56.9M | $13.6M | $651K | 0.95% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 8,513 |
Loan mix (Q1 2026): real estate $26.7M · commercial $2.5M · consumer $24.7M · securities $62.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 78.7% | 68th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
3 branches in 3 counties across 1 state (+0 vs 2024). Biggest market: Kent, DE, ranked 12th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, DE | 1 | $42.5M* | 1.12% | 12th |
| New Castle, DE | 1 | $42.5M* | 0.01% | 26th |
| Sussex, DE | 1 | $42.5M* | 0.04% | 19th |
Delaware: 28th with 0.02% · Philadelphia-Camden-Wilmington metro: 108th, 0.01% · Dover metro: 12th, 1.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3