| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +3.9% | -6.2 pts |
| Share growth (YoY) | -3.6% | +3.3% | -6.9 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +0.9 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 2.7% | 5.9% | -3.3 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $183.1M | $155.1M | $122.9M | $28.6M | $190K | 0.42% | 4.00% | 0.47% | 16,107 |
| Q4 2025 | $181.8M | $153.7M | $121.9M | $28.5M | $1.9M | 1.05% | 4.12% | 0.50% | 16,163 |
| Q3 2025 | $180.8M | $153.1M | $118.8M | $28.1M | $1.5M | 1.12% | 4.11% | 0.73% | 16,706 |
| Q2 2025 | $183.6M | $156.1M | $117.4M | $27.8M | $1.3M | 1.36% | 4.03% | 1.16% | 16,792 |
| Q1 2025 | $187.4M | $160.9M | $118.3M | $27.0M | $436K | 0.93% | 3.87% | 0.46% | 16,792 |
| Q4 2024 | $182.6M | $156.8M | $119.6M | $26.5M | $1.0M | 0.57% | 3.79% | 0.49% | 16,801 |
| Q3 2024 | $181.7M | $155.7M | $121.2M | $26.3M | $827K | 0.61% | 3.77% | 0.90% | 16,913 |
| Q2 2024 | $180.4M | $154.7M | $121.6M | $26.1M | $579K | 0.64% | 3.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 16,978 |
Loan mix (Q1 2026): real estate $52.0M · commercial $1.2M · consumer $68.6M · securities $35.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 78.7% | 72th |
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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