| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | -2.1% | +3.3% | -5.4 pts |
| Loan growth (YoY) | -4.8% | +2.9% | -7.8 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $165.8M | $140.4M | $129.4M | $23.9M | $145K | 0.35% | 4.36% | 1.61% | 13,662 |
| Q4 2025 | $165.6M | $140.9M | $132.1M | $23.7M | $2.0M | 1.20% | 4.20% | 2.51% | 13,789 |
| Q3 2025 | $163.8M | $138.8M | $131.7M | $23.7M | $2.0M | 1.61% | 4.20% | 2.13% | 14,050 |
| Q2 2025 | $166.9M | $142.5M | $134.4M | $23.5M | $1.8M | 2.12% | 4.03% | 1.84% | 14,227 |
| Q1 2025 | $166.5M | $143.4M | $135.9M | $22.3M | $548K | 1.32% | 3.92% | 1.27% | 14,312 |
| Q4 2024 | $167.4M | $144.0M | $136.6M | $21.8M | $1.3M | 0.77% | 3.80% | 1.61% | 13,940 |
| Q3 2024 | $164.3M | $140.0M | $137.5M | $21.5M | $1.1M | 0.85% | 3.83% | 1.62% | 14,621 |
| Q2 2024 | $165.1M | $139.1M | $138.8M | $21.2M | $746K | 0.90% | 3.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.96% |
| 14,685 |
Loan mix (Q1 2026): real estate $44.4M · commercial $9.2M · consumer $74.2M · securities $159K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 78.7% | 55th |
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.