| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +1.5% | +2.9% | -1.5 pts |
| ROA | 0.05% | 0.69% | -0.6 pts |
| ROE | 0.5% | 5.9% | -5.4 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 | $258.7M | $247.8M | $132.4M | $23.6M | $30K | 0.05% | 3.58% | 0.51% | 25,426 |
| Q4 2025 | $253.7M | $240.4M | $132.5M | $23.6M | $1.7M | 0.68% | 3.44% | 0.35% | 25,621 |
| Q3 2025 | $252.8M | $240.2M | $134.1M | $23.2M | $1.3M | 0.71% | 3.46% | 0.43% | 25,965 |
| Q2 2025 | $256.0M | $243.8M | $131.4M | $22.0M | $163K | 0.13% | 3.37% | 0.56% | 25,984 |
| Q1 2025 | $251.1M | $239.7M | $130.4M | $21.8M | $-53K | -0.08% | 3.34% | 0.23% | 26,315 |
| Q4 2024 | $247.6M | $231.0M | $129.4M | $21.9M | $-6.7M | -2.70% | 3.20% | 0.25% | 26,601 |
| Q3 2024 | $239.9M | $221.7M | $130.1M | $22.0M | $-292K | -0.16% | 3.22% | 0.51% | 27,009 |
| Q2 2024 | $251.1M | $233.9M | $128.0M | $22.1M | $-173K | -0.14% | 3.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 27,099 |
Loan mix (Q1 2026): real estate $67.9M · commercial $15.4M · consumer $47.7M · securities $59.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 78.7% | 92th |
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.