| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.0 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.8 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 4.2% | 5.9% | -1.7 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $197.8M | $170.8M | $107.5M | $26.5M | $279K | 0.56% | 2.85% | 0.18% | 13,243 |
| Q4 2025 | $189.9M | $163.0M | $110.6M | $26.2M | $1.6M | 0.82% | 2.81% | 0.26% | 13,391 |
| Q3 2025 | $184.7M | $158.4M | $106.3M | $25.9M | $1.2M | 0.90% | 2.87% | 0.17% | 13,415 |
| Q2 2025 | $185.8M | $159.1M | $110.1M | $25.7M | $973K | 1.05% | 2.83% | 0.28% | 13,479 |
| Q1 2025 | $186.7M | $160.8M | $106.2M | $25.0M | $248K | 0.53% | 2.74% | 0.29% | 13,586 |
| Q4 2024 | $182.2M | $156.7M | $110.7M | $24.7M | $1.2M | 0.64% | 2.73% | 0.12% | 13,655 |
| Q3 2024 | $183.3M | $157.7M | $108.7M | $24.6M | $992K | 0.72% | 2.69% | 0.27% | 13,691 |
| Q2 2024 | $185.0M | $159.8M | $112.0M | $24.2M | $687K | 0.74% | 2.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 13,850 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $82.6M · securities $50.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 78.7% | 60th |
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.