| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.9% | -3.8 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.6 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 | $224.7M | $202.2M | $95.8M | $28.5M | $170K | 0.30% | 3.13% | 1.09% | 15,331 |
| Q4 2025 | $222.5M | $200.4M | $95.3M | $28.4M | $-660K | -0.30% | 2.87% | 0.98% | 15,295 |
| Q3 2025 | $221.5M | $200.2M | $95.9M | $28.6M | $-416K | -0.25% | 2.81% | 0.78% | 15,393 |
| Q2 2025 | $224.1M | $203.5M | $95.9M | $28.7M | $-302K | -0.27% | 2.69% | 0.76% | 15,303 |
| Q1 2025 | $224.5M | $204.8M | $95.3M | $28.8M | $-221K | -0.39% | 2.57% | 1.04% | 15,443 |
| Q4 2024 | $219.6M | $200.1M | $96.6M | $29.1M | $-671K | -0.31% | 2.39% | 0.72% | 15,302 |
| Q3 2024 | $231.4M | $201.3M | $100.1M | $29.3M | $-485K | -0.28% | 2.21% | 0.51% | 15,477 |
| Q2 2024 | $231.1M | $198.6M | $101.5M | $29.6M | $-239K | -0.21% | 2.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 15,632 |
Loan mix (Q1 2026): real estate $39.0M · commercial $1.1M · consumer $49.7M · securities $78.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.7% | 59th |
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.