| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +16.7% | +2.9% | +13.8 pts |
| ROA | -0.16% | 0.69% | -0.8 pts |
| ROE | -1.8% | 5.9% | -7.7 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $278.9M | $255.9M | $155.0M | $24.4M | $-109K | -0.16% | 3.60% | 0.87% | 16,661 |
| Q4 2025 | $276.4M | $253.1M | $151.9M | $24.5M | $-84K | -0.03% | 3.37% | 0.71% | 13,073 |
| Q3 2025 | $268.5M | $245.7M | $147.8M | $24.2M | $-381K | -0.19% | 3.35% | 0.73% | 12,902 |
| Q2 2025 | $267.6M | $246.1M | $142.9M | $24.3M | $-248K | -0.19% | 3.28% | 0.64% | 12,704 |
| Q1 2025 | $268.8M | $247.5M | $132.8M | $24.4M | $88K | 0.13% | 3.28% | 0.55% | 12,661 |
| Q4 2024 | $259.2M | $239.8M | $124.9M | $24.4M | $835K | 0.32% | 3.39% | 0.72% | 12,520 |
| Q3 2024 | $261.2M | $240.0M | $121.3M | $24.3M | $812K | 0.41% | 3.39% | 0.77% | 12,499 |
| Q2 2024 | $259.8M | $241.0M | $124.0M | $24.3M | $787K | 0.61% | 3.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.16% | 0.69% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -1.8% | 5.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 12,495 |
Loan mix (Q1 2026): real estate $79.6M · commercial $18.0M · consumer $49.0M · securities $86.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 78.7% | 97th |
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.