| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -0.4% | +3.3% | -3.7 pts |
| Loan growth (YoY) | +8.7% | +2.9% | +5.8 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $210.7M | $183.0M | $107.2M | $29.5M | $422K | 0.80% | 3.09% | 0.10% | 6,275 |
| Q4 2025 | $217.1M | $186.2M | $101.9M | $29.1M | $1.8M | 0.81% | 2.71% | 0.08% | 6,267 |
| Q3 2025 | $214.7M | $184.8M | $102.4M | $28.7M | $1.4M | 0.84% | 2.68% | 0.06% | 6,262 |
| Q2 2025 | $210.5M | $181.3M | $100.2M | $28.1M | $799K | 0.76% | 2.64% | 0.06% | 6,219 |
| Q1 2025 | $211.8M | $183.6M | $98.6M | $27.7M | $320K | 0.60% | 2.60% | 0.01% | 6,243 |
| Q4 2024 | $205.7M | $178.7M | $101.8M | $27.3M | $1.7M | 0.84% | 2.59% | 0.13% | 6,236 |
| Q3 2024 | $205.8M | $177.8M | $103.7M | $27.1M | $1.5M | 0.99% | 2.57% | 0.05% | 6,254 |
| Q2 2024 | $201.7M | $175.7M | $106.0M | $26.8M | $1.1M | 1.10% | 2.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 6,245 |
Loan mix (Q1 2026): real estate $65.4M · commercial $16.4M · consumer $23.6M · securities $90.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.7% | 38th |
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.