| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +3.9% | -8.5 pts |
| Share growth (YoY) | -3.8% | +3.3% | -7.1 pts |
| Loan growth (YoY) | -5.4% | +2.9% | -8.3 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 12.4% | 5.9% | +6.5 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $273.2M | $248.1M | $210.8M | $20.1M | $624K | 0.91% | 3.35% | 0.66% | 19,807 |
| Q4 2025 | $269.3M | $244.3M | $213.1M | $19.5M | $-2.2M | -0.80% | 3.48% | 0.82% | 19,282 |
| Q3 2025 | $274.7M | $249.0M | $216.3M | $20.0M | $-1.6M | -0.79% | 3.39% | 1.00% | 19,480 |
| Q2 2025 | $282.8M | $254.9M | $217.0M | $20.3M | $-1.3M | -0.93% | 3.25% | 1.10% | 19,815 |
| Q1 2025 | $286.2M | $257.8M | $222.7M | $21.3M | $-644K | -0.90% | 3.24% | 1.20% | 20,957 |
| Q4 2024 | $282.0M | $252.6M | $232.1M | $21.9M | $-1.6M | -0.58% | 3.58% | 1.22% | 21,346 |
| Q3 2024 | $285.7M | $252.7M | $238.8M | $23.0M | $-1.4M | -0.66% | 3.55% | 0.96% | 20,704 |
| Q2 2024 | $297.1M | $264.2M | $245.6M | $23.4M | $-934K | -0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.45% |
| 0.96% |
| 20,933 |
Loan mix (Q1 2026): real estate $128.6M · commercial $17.7M · consumer $55.8M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 78.7% | 14th |
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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