| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.9% | -3.6 pts |
| Share growth (YoY) | -0.5% | +3.3% | -3.8 pts |
| Loan growth (YoY) | +1.8% | +2.9% | -1.1 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 2.2% | 5.9% | -3.7 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $416.7M | $356.5M | $273.4M | $54.2M | $305K | 0.29% | 3.31% | 0.39% | 30,006 |
| Q4 2025 | $418.2M | $358.3M | $270.0M | $53.9M | $1.6M | 0.38% | 3.35% | 0.61% | 30,116 |
| Q3 2025 | $409.9M | $350.6M | $275.6M | $53.6M | $839K | 0.27% | 3.40% | 0.55% | 30,710 |
| Q2 2025 | $409.2M | $350.6M | $276.1M | $53.1M | $301K | 0.15% | 3.37% | 0.49% | 31,030 |
| Q1 2025 | $415.5M | $358.2M | $268.5M | $53.2M | $375K | 0.36% | 3.28% | 0.40% | 31,057 |
| Q4 2024 | $412.5M | $355.0M | $268.4M | $52.8M | $3.5M | 0.85% | 2.96% | 0.49% | 36,918 |
| Q3 2024 | $415.5M | $357.8M | $281.0M | $52.9M | $3.2M | 1.02% | 2.86% | 0.40% | 37,737 |
| Q2 2024 | $420.6M | $363.8M | $291.8M | $52.8M | $3.1M | 1.48% | 2.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 37,830 |
Loan mix (Q1 2026): real estate $87.0M · commercial $9.7M · consumer $143.4M · securities $54.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 78.7% | 76th |
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.