| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | -0.7% | +2.9% | -3.6 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.3% | 5.9% | -3.7 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 | $288.0M | $259.6M | $152.7M | $27.9M | $158K | 0.22% | 3.20% | 0.93% | 21,317 |
| Q4 2025 | $277.7M | $250.6M | $153.4M | $27.8M | $1.1M | 0.41% | 3.37% | 1.31% | 21,569 |
| Q3 2025 | $270.3M | $243.2M | $153.4M | $27.5M | $860K | 0.42% | 3.45% | 1.47% | 25,853 |
| Q2 2025 | $273.9M | $248.8M | $155.3M | $27.3M | $513K | 0.37% | 3.34% | 1.34% | 25,860 |
| Q1 2025 | $278.7M | $253.8M | $153.7M | $27.0M | $197K | 0.28% | 3.19% | 0.83% | 25,880 |
| Q4 2024 | $268.2M | $245.2M | $155.7M | $26.8M | $1.2M | 0.46% | 3.37% | 1.09% | 23,124 |
| Q3 2024 | $267.6M | $243.7M | $154.2M | $26.6M | $990K | 0.49% | 3.38% | 0.94% | 26,137 |
| Q2 2024 | $268.3M | $247.7M | $152.5M | $26.4M | $660K | 0.49% | 3.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 26,102 |
Loan mix (Q1 2026): real estate $90.0M · commercial $13.2M · consumer $47.2M · securities $75.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 78.7% | 89th |
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.