| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.9% | -5.8 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -6.1% | +2.9% | -9.0 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 6.4% | 5.9% | +0.5 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $265.3M | $242.0M | $205.9M | $22.5M | $362K | 0.55% | 4.13% | 1.20% | 16,200 |
| Q4 2025 | $263.9M | $235.0M | $211.8M | $22.2M | $1.9M | 0.71% | 4.07% | 1.39% | 16,435 |
| Q3 2025 | $265.2M | $236.6M | $218.1M | $21.8M | $1.5M | 0.77% | 4.00% | 2.09% | 17,440 |
| Q2 2025 | $264.0M | $235.7M | $218.4M | $21.5M | $1.2M | 0.91% | 3.93% | 1.60% | 17,412 |
| Q1 2025 | $270.5M | $235.7M | $219.1M | $20.6M | $-218K | -0.32% | 3.74% | 1.30% | 17,314 |
| Q4 2024 | $264.4M | $231.4M | $221.7M | $20.8M | $-655K | -0.25% | 3.61% | 1.90% | 17,198 |
| Q3 2024 | $267.9M | $232.0M | $222.5M | $21.1M | $-415K | -0.21% | 3.50% | 1.50% | 17,204 |
| Q2 2024 | $271.6M | $234.1M | $222.0M | $21.2M | $-307K | -0.23% | 3.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.03% |
| 17,184 |
Loan mix (Q1 2026): real estate $91.4M · commercial $8.3M · consumer $85.2M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 78.7% | 36th |
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.