| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +8.0% | +2.9% | +5.1 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $184.8M | $167.5M | $137.4M | $17.2M | $133K | 0.29% | 3.55% | 0.51% | 24,812 |
| Q4 2025 | $184.7M | $166.8M | $134.7M | $17.1M | $1.0M | 0.54% | 3.36% | 0.85% | 24,596 |
| Q3 2025 | $180.0M | $162.9M | $137.4M | $16.7M | $693K | 0.51% | 3.35% | 0.82% | 24,300 |
| Q2 2025 | $178.6M | $162.1M | $134.3M | $16.5M | $403K | 0.45% | 3.23% | 1.00% | 23,881 |
| Q1 2025 | $179.2M | $163.3M | $127.1M | $16.2M | $117K | 0.26% | 2.98% | 0.85% | 23,509 |
| Q4 2024 | $177.6M | $161.4M | $128.3M | $16.1M | $1.0M | 0.58% | 2.89% | 0.73% | 23,237 |
| Q3 2024 | $165.3M | $149.8M | $127.3M | $15.9M | $843K | 0.68% | 3.09% | 0.78% | 22,908 |
| Q2 2024 | $160.0M | $143.4M | $124.5M | $15.6M | $587K | 0.73% | 3.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 22,803 |
Loan mix (Q1 2026): real estate $30.9M · commercial $682K · consumer $99.3M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 50th |
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.