| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +3.9% | -4.0 pts |
| Share growth (YoY) | -0.8% | +3.3% | -4.1 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | 1.11% | 0.69% | +0.4 pts |
| ROE | 9.2% | 5.9% | +3.3 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $154.9M | $135.3M | $94.5M | $18.6M | $430K | 1.11% | 3.68% | 0.78% | 10,144 |
| Q4 2025 | $149.4M | $130.5M | $95.7M | $18.2M | $586K | 0.39% | 3.75% | 0.96% | 10,161 |
| Q3 2025 | $150.5M | $131.3M | $97.2M | $18.2M | $604K | 0.53% | 3.68% | 1.02% | 10,297 |
| Q2 2025 | $150.8M | $131.7M | $96.8M | $18.1M | $442K | 0.59% | 3.68% | 1.09% | 10,347 |
| Q1 2025 | $154.9M | $136.3M | $95.7M | $17.8M | $228K | 0.59% | 3.50% | 0.82% | 10,374 |
| Q4 2024 | $147.2M | $128.5M | $98.1M | $17.6M | $335K | 0.23% | 3.79% | 0.83% | 11,012 |
| Q3 2024 | $145.1M | $125.2M | $99.1M | $18.2M | $847K | 0.78% | 3.86% | 1.08% | 11,077 |
| Q2 2024 | $146.7M | $127.1M | $101.1M | $18.0M | $647K | 0.88% | 3.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.95% |
| 11,391 |
Loan mix (Q1 2026): real estate $47.2M · commercial $22K · consumer $42.3M · securities $33.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
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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