| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.5 pts |
| Share growth (YoY) | +0.9% | +3.3% | -2.4 pts |
| Loan growth (YoY) | +9.6% | +2.9% | +6.6 pts |
| ROA | 0.03% | 0.69% | -0.7 pts |
| ROE | 0.4% | 5.9% | -5.6 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 | $112.9M | $102.9M | $96.8M | $9.6M | $9K | 0.03% | 4.74% | 1.43% | 8,499 |
| Q4 2025 | $116.6M | $102.1M | $96.0M | $9.6M | $1.2M | 0.99% | 4.55% | 1.48% | 8,389 |
| Q3 2025 | $114.6M | $104.7M | $90.2M | $9.9M | $1.2M | 1.34% | 4.57% | 1.07% | 8,309 |
| Q2 2025 | $112.2M | $102.5M | $88.9M | $9.6M | $875K | 1.56% | 4.54% | 0.81% | 8,188 |
| Q1 2025 | $111.3M | $102.0M | $88.4M | $9.3M | $534K | 1.92% | 4.49% | 0.73% | 8,041 |
| Q4 2024 | $112.2M | $103.4M | $88.1M | $8.7M | $1.1M | 0.96% | 4.10% | 0.80% | 7,963 |
| Q3 2024 | $112.3M | $103.7M | $88.5M | $8.6M | $843K | 1.00% | 4.06% | 0.69% | 7,840 |
| Q2 2024 | $105.1M | $96.9M | $86.4M | $8.3M | $521K | 0.99% | 4.27% | 0.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 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 | 4.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,684 |
Loan mix (Q1 2026): real estate $28.3M · commercial $19.9M · consumer $40.8M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 78.7% | 78th |
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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