| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.0 pts |
| Share growth (YoY) | +0.2% | +3.3% | -3.1 pts |
| Loan growth (YoY) | +1.8% | +2.9% | -1.1 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.8% | 5.9% | -5.1 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $439.3M | $410.0M | $244.0M | $36.8M | $77K | 0.07% | 2.65% | 0.35% | 20,403 |
| Q4 2025 | $442.0M | $412.7M | $246.6M | $36.8M | $-322K | -0.07% | 2.39% | 0.31% | 20,404 |
| Q3 2025 | $428.9M | $399.3M | $236.1M | $37.6M | $211K | 0.07% | 2.44% | 0.33% | 20,491 |
| Q2 2025 | $438.3M | $405.4M | $235.7M | $37.6M | $190K | 0.09% | 2.35% | 0.36% | 20,471 |
| Q1 2025 | $439.9M | $409.3M | $239.6M | $37.7M | $312K | 0.28% | 2.31% | 0.26% | 20,447 |
| Q4 2024 | $432.5M | $402.8M | $245.1M | $37.4M | $400K | 0.09% | 2.45% | 0.47% | 20,465 |
| Q3 2024 | $437.6M | $406.2M | $250.8M | $37.6M | $323K | 0.10% | 2.44% | 0.36% | 20,573 |
| Q2 2024 | $432.0M | $404.6M | $255.1M | $37.5M | $217K | 0.10% | 2.48% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.07% |
| 20,590 |
Loan mix (Q1 2026): real estate $168.7M · commercial $23.3M · consumer $51.6M · securities $81.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 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.