| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.9% | -3.9 pts |
| Share growth (YoY) | -6.5% | +3.3% | -9.8 pts |
| Loan growth (YoY) | +6.2% | +2.9% | +3.2 pts |
| ROA | 1.09% | 0.69% | +0.4 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $173.2M | $115.2M | $113.3M | $23.1M | $472K | 1.09% | 3.50% | 0.68% | 10,387 |
| Q4 2025 | $166.5M | $112.5M | $112.7M | $22.5M | $1.7M | 1.02% | 3.63% | 0.82% | 10,375 |
| Q3 2025 | $172.2M | $111.3M | $110.1M | $21.9M | $1.1M | 0.86% | 3.40% | 0.73% | 11,370 |
| Q2 2025 | $170.6M | $115.0M | $108.7M | $21.6M | $784K | 0.92% | 3.39% | 0.89% | 11,397 |
| Q1 2025 | $173.1M | $123.3M | $106.7M | $20.2M | $281K | 0.65% | 3.32% | 0.58% | 11,444 |
| Q4 2024 | $170.9M | $121.6M | $109.3M | $20.0M | $1.9M | 1.13% | 3.29% | 0.94% | 11,478 |
| Q3 2024 | $175.5M | $120.7M | $102.7M | $19.6M | $1.5M | 1.15% | 3.05% | 0.96% | 11,477 |
| Q2 2024 | $170.1M | $122.5M | $102.9M | $18.6M | $605K | 0.71% | 3.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.00% |
| 14,132 |
Loan mix (Q1 2026): real estate $41.5M · commercial $42.3M · consumer $29.2M · securities $22.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 78.7% | 62th |
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% |
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