| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 3.1% | 5.9% | -2.9 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $155.4M | $141.6M | $78.4M | $16.6M | $129K | 0.33% | 2.88% | 0.47% | 8,341 |
| Q4 2025 | $154.3M | $140.2M | $77.6M | $16.5M | $562K | 0.36% | 2.90% | 0.72% | 8,298 |
| Q3 2025 | $152.0M | $138.6M | $77.0M | $16.3M | $399K | 0.35% | 2.90% | 0.32% | 8,409 |
| Q2 2025 | $149.4M | $136.8M | $77.5M | $16.2M | $260K | 0.35% | 2.92% | 0.56% | 8,710 |
| Q1 2025 | $152.9M | $141.1M | $76.4M | $16.1M | $122K | 0.32% | 2.79% | 0.17% | 8,866 |
| Q4 2024 | $145.1M | $134.0M | $75.9M | $15.9M | $802K | 0.55% | 2.88% | 0.33% | 8,944 |
| Q3 2024 | $144.7M | $132.8M | $74.9M | $15.8M | $644K | 0.59% | 2.87% | 0.27% | 8,957 |
| Q2 2024 | $142.0M | $132.0M | $72.0M | $15.5M | $377K | 0.53% | 2.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 8,999 |
Loan mix (Q1 2026): real estate $29.3M · commercial $0 · consumer $48.7M · securities $58.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 78.7% | 42th |
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.