| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +3.9% | -7.1 pts |
| Share growth (YoY) | -4.2% | +3.3% | -7.5 pts |
| Loan growth (YoY) | -10.5% | +2.9% | -13.5 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 4.8% | 5.9% | -1.2 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $198.4M | $163.1M | $23.6M | $35.2M | $421K | 0.85% | 1.49% | 1.22% | 7,070 |
| Q4 2025 | $200.9M | $166.1M | $24.4M | $34.8M | $-603K | -0.30% | 0.26% | 1.44% | 7,135 |
| Q3 2025 | $202.2M | $167.7M | $25.0M | $34.7M | $-739K | -0.49% | 0.07% | 1.41% | 7,260 |
| Q2 2025 | $204.0M | $169.5M | $25.8M | $34.8M | $-583K | -0.57% | -0.02% | 1.10% | 7,343 |
| Q1 2025 | $204.8M | $170.2M | $26.4M | $35.1M | $-311K | -0.61% | -0.05% | 0.59% | 7,431 |
| Q4 2024 | $207.2M | $172.4M | $27.2M | $35.4M | $-1.7M | -0.81% | -0.26% | 1.07% | 7,474 |
| Q3 2024 | $207.0M | $171.9M | $28.6M | $35.8M | $-1.3M | -0.82% | -0.27% | 0.99% | 7,583 |
| Q2 2024 | $205.9M | $170.9M | $29.0M | $36.2M | $-867K | -0.84% | -0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 7,653 |
Loan mix (Q1 2026): real estate $19.0M · commercial $0 · consumer $4.0M · securities $162.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.0% | 78.7% | 1th |
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.