| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.0 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.1 pts |
| ROA | 0.02% | 0.69% | -0.7 pts |
| ROE | 0.3% | 5.9% | -5.7 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $315.1M | $236.5M | $188.5M | $29.7M | $20K | 0.02% | 1.94% | 0.23% | 13,082 |
| Q4 2025 | $315.5M | $232.0M | $188.5M | $29.7M | $314K | 0.10% | 1.71% | 0.50% | 13,089 |
| Q3 2025 | $305.3M | $224.2M | $185.4M | $29.6M | $197K | 0.09% | 1.72% | 0.37% | 13,349 |
| Q2 2025 | $294.4M | $221.8M | $178.4M | $29.4M | $14K | 0.01% | 1.76% | 0.30% | 13,345 |
| Q1 2025 | $300.2M | $224.6M | $177.7M | $29.1M | $-282K | -0.38% | 1.69% | 0.19% | 13,332 |
| Q4 2024 | $296.9M | $213.3M | $179.2M | $29.4M | $258K | 0.09% | 1.64% | 0.53% | 13,321 |
| Q3 2024 | $293.7M | $208.9M | $181.8M | $29.4M | $244K | 0.11% | 1.66% | 0.43% | 13,615 |
| Q2 2024 | $288.2M | $205.3M | $181.2M | $29.3M | $134K | 0.09% | 1.69% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 5.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 13,625 |
Loan mix (Q1 2026): real estate $95.6M · commercial $1.7M · consumer $27.7M · securities $96.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.6% | 78.7% | 95th |
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.