| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.7 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.3% | 5.9% | -4.6 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $147.5M | $132.7M | $77.4M | $13.8M | $45K | 0.12% | 3.15% | 0.19% | 4,754 |
| Q4 2025 | $141.7M | $127.0M | $79.0M | $13.7M | $796K | 0.56% | 3.11% | 0.16% | 4,714 |
| Q3 2025 | $140.1M | $123.0M | $80.1M | $13.6M | $659K | 0.63% | 3.12% | 0.24% | 4,710 |
| Q2 2025 | $146.6M | $132.0M | $81.5M | $13.5M | $530K | 0.72% | 2.95% | 0.34% | 4,681 |
| Q1 2025 | $145.1M | $128.6M | $79.7M | $13.1M | $152K | 0.42% | 2.90% | 0.24% | 4,679 |
| Q4 2024 | $147.3M | $133.2M | $81.0M | $12.9M | $418K | 0.28% | 2.45% | 0.17% | 4,646 |
| Q3 2024 | $150.6M | $136.6M | $81.5M | $12.9M | $362K | 0.32% | 2.37% | 0.11% | 4,646 |
| Q2 2024 | $152.1M | $135.6M | $81.9M | $12.7M | $181K | 0.24% | 2.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 4,664 |
Loan mix (Q1 2026): real estate $44.9M · commercial $13.1M · consumer $16.6M · securities $52.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 78.7% | 84th |
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.