| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | -5.7% | +2.9% | -8.6 pts |
| ROA | 0.01% | 0.69% | -0.7 pts |
| ROE | 0.1% | 5.9% | -5.9 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $395.3M | $354.3M | $170.8M | $44.0M | $9K | 0.01% | 4.20% | 1.69% | 22,910 |
| Q4 2025 | $386.2M | $345.2M | $172.0M | $44.3M | $3.0M | 0.77% | 4.31% | 2.26% | 22,884 |
| Q3 2025 | $384.7M | $344.8M | $173.3M | $43.6M | $2.3M | 0.80% | 4.29% | 1.96% | 23,106 |
| Q2 2025 | $385.3M | $346.8M | $177.2M | $42.8M | $1.5M | 0.79% | 4.24% | 2.04% | 23,233 |
| Q1 2025 | $385.7M | $349.3M | $181.1M | $41.6M | $318K | 0.33% | 4.16% | 2.13% | 23,370 |
| Q4 2024 | $371.1M | $336.5M | $187.7M | $41.6M | $54K | 0.01% | 4.25% | 2.14% | 23,512 |
| Q3 2024 | $371.1M | $335.6M | $192.7M | $40.5M | $-987K | -0.35% | 4.18% | 1.97% | 23,762 |
| Q2 2024 | $372.3M | $339.0M | $195.6M | $41.0M | $-466K | -0.25% | 4.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.10% |
| 23,893 |
Loan mix (Q1 2026): real estate $14.4M · commercial $2.9M · consumer $130.1M · securities $160.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 78.7% | 61th |
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.