| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +4.4% | +3.3% | +1.1 pts |
| Loan growth (YoY) | -0.7% | +2.9% | -3.7 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 3.9% | 5.9% | -2.1 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $331.2M | $268.0M | $174.1M | $28.6M | $276K | 0.33% | 2.97% | 0.48% | 19,401 |
| Q4 2025 | $328.0M | $260.7M | $175.4M | $28.6M | $-1.9M | -0.59% | 2.94% | 0.46% | 19,181 |
| Q3 2025 | $326.8M | $260.7M | $183.1M | $30.1M | $-423K | -0.17% | 2.92% | 4.83% | 19,064 |
| Q2 2025 | $325.0M | $260.4M | $185.2M | $29.9M | $-590K | -0.36% | 2.87% | 4.70% | 18,964 |
| Q1 2025 | $324.4M | $256.8M | $175.4M | $30.5M | $43K | 0.05% | 2.84% | 4.77% | 18,864 |
| Q4 2024 | $320.9M | $252.7M | $169.5M | $30.7M | $91K | 0.03% | 2.86% | 5.19% | 18,736 |
| Q3 2024 | $334.6M | $254.3M | $164.9M | $30.8M | $128K | 0.05% | 2.73% | 0.73% | 18,964 |
| Q2 2024 | $333.8M | $254.9M | $167.8M | $30.6M | $22K | 0.01% | 2.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 18,879 |
Loan mix (Q1 2026): real estate $109.3M · commercial $6.6M · consumer $57.7M · securities $105.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 78.7% | 80th |
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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