| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +3.9% | -8.6 pts |
| Share growth (YoY) | -6.3% | +3.3% | -9.6 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.2 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $175.8M | $162.6M | $106.3M | $14.4M | $134K | 0.31% | 4.14% | 2.86% | 14,455 |
| Q4 2025 | $178.4M | $165.6M | $105.6M | $14.2M | $1.6M | 0.90% | 4.23% | 2.97% | 14,452 |
| Q3 2025 | $173.1M | $161.3M | $108.5M | $13.7M | $933K | 0.72% | 4.35% | 3.29% | 15,028 |
| Q2 2025 | $183.1M | $171.8M | $109.2M | $13.4M | $655K | 0.72% | 4.09% | 3.36% | 15,102 |
| Q1 2025 | $184.4M | $173.6M | $108.7M | $13.1M | $394K | 0.85% | 4.02% | 2.82% | 15,110 |
| Q4 2024 | $185.2M | $175.4M | $109.8M | $12.3M | $2.1M | 1.11% | 3.97% | 3.05% | 15,042 |
| Q3 2024 | $180.7M | $171.7M | $110.6M | $12.1M | $1.7M | 1.28% | 4.05% | 2.35% | 15,985 |
| Q2 2024 | $191.0M | $183.2M | $109.5M | $11.6M | $1.2M | 1.29% | 3.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.64% |
| 15,985 |
Loan mix (Q1 2026): real estate $37.4M · commercial $22.3M · consumer $45.6M · securities $41.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 78.7% | 92th |
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.