| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +3.9% | -7.6 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.2 pts |
| Loan growth (YoY) | +1.3% | +2.9% | -1.6 pts |
| ROA | 0.68% | 0.69% | -0.0 pts |
| ROE | 5.3% | 5.9% | -0.7 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $180.8M | $159.3M | $89.4M | $23.3M | $307K | 0.68% | 3.71% | 0.85% | 13,355 |
| Q4 2025 | $179.4M | $157.7M | $89.5M | $23.0M | $2.1M | 1.18% | 3.63% | 1.95% | 13,326 |
| Q3 2025 | $176.6M | $155.6M | $88.4M | $22.4M | $1.6M | 1.18% | 3.64% | 1.54% | 13,279 |
| Q2 2025 | $188.7M | $159.4M | $88.2M | $21.8M | $1.0M | 1.06% | 3.33% | 1.34% | 13,233 |
| Q1 2025 | $187.7M | $159.2M | $88.2M | $21.2M | $317K | 0.68% | 3.22% | 0.61% | 11,304 |
| Q4 2024 | $182.5M | $155.0M | $86.8M | $20.8M | $2.0M | 1.11% | 3.10% | 0.72% | 13,300 |
| Q3 2024 | $182.3M | $153.5M | $86.1M | $20.5M | $1.7M | 1.23% | 3.06% | 1.13% | 13,311 |
| Q2 2024 | $172.0M | $155.6M | $84.7M | $19.8M | $948K | 1.10% | 3.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.79% |
| 13,324 |
Loan mix (Q1 2026): real estate $64.2M · commercial $0 · consumer $22.8M · securities $70.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 78.7% | 52th |
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.