| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.3 pts |
| Loan growth (YoY) | +7.2% | -2.4% | +9.5 pts |
| ROA | 0.29% | 0.60% | -0.3 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.2M | $86.1M | $66.0M | $9.3M | $69K | 0.29% | 4.65% | 2.57% | 10,064 |
| Q4 2025 | $94.6M | $85.6M | $64.7M | $9.3M | $-440K | -0.46% | 4.59% | 4.76% | 10,272 |
| Q3 2025 | $94.6M | $84.9M | $63.4M | $9.4M | $-330K | -0.46% | 4.41% | 3.05% | 10,676 |
| Q2 2025 | $94.1M | $84.7M | $62.8M | $9.2M | $-501K | -1.07% | 4.35% | 4.02% | 10,526 |
| Q1 2025 | $95.1M | $85.2M | $61.6M | $9.8M | $-39K | -0.17% | 4.14% | 2.80% | 10,392 |
| Q4 2024 | $100.3M | $85.4M | $64.3M | $9.9M | $-611K | -0.61% | 3.15% | 3.59% | 10,299 |
| Q3 2024 | $91.6M | $81.2M | $59.4M | $10.0M | $-522K | -0.76% | 3.41% | 3.32% | 10,318 |
| Q2 2024 | $91.5M | $80.8M | $60.0M | $10.0M | $-470K | -1.03% | 3.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2.82% |
| 10,189 |
Loan mix (Q1 2026): real estate $17.7M · commercial $7.7M · consumer $23.7M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 81.5% | 70th |
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.