| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.2 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.1 pts |
| ROA | 0.23% | 0.69% | -0.5 pts |
| ROE | 2.5% | 5.9% | -3.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $105.5M | $95.5M | $66.7M | $9.7M | $61K | 0.23% | 3.35% | 0.00% | 9,348 |
| Q4 2025 | $100.5M | $90.6M | $68.7M | $9.7M | $111K | 0.11% | 3.49% | 0.00% | 9,379 |
| Q3 2025 | $99.4M | $89.5M | $69.7M | $9.7M | $33K | 0.04% | 3.50% | 0.00% | 9,376 |
| Q2 2025 | $99.1M | $89.3M | $68.9M | $9.7M | $-23K | -0.05% | 3.44% | 0.02% | 9,357 |
| Q1 2025 | $99.6M | $89.7M | $68.1M | $9.7M | $22K | 0.09% | 3.33% | 0.00% | 9,584 |
| Q4 2024 | $96.8M | $87.0M | $67.9M | $9.7M | $183K | 0.19% | 3.40% | 0.00% | 9,661 |
| Q3 2024 | $97.2M | $87.3M | $69.4M | $9.8M | $173K | 0.24% | 3.37% | 0.01% | 9,660 |
| Q2 2024 | $97.7M | $87.9M | $70.8M | $9.8M | $90K | 0.18% | 3.32% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 10,456 |
Loan mix (Q1 2026): real estate $10.5M · commercial $0 · consumer $54.0M · securities $9.0M
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.