| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | -3.4% | +2.9% | -6.3 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $158.7M | $139.7M | $101.3M | $16.8M | $130K | 0.33% | 3.70% | 0.33% | 15,224 |
| Q4 2025 | $160.7M | $142.1M | $104.1M | $16.8M | $590K | 0.37% | 3.69% | 0.57% | 15,164 |
| Q3 2025 | $155.5M | $135.9M | $107.5M | $16.7M | $464K | 0.40% | 3.84% | 0.54% | 15,226 |
| Q2 2025 | $153.3M | $134.6M | $104.1M | $16.5M | $238K | 0.31% | 3.91% | 0.29% | 15,569 |
| Q1 2025 | $152.0M | $133.2M | $104.8M | $16.4M | $144K | 0.38% | 3.91% | 0.32% | 15,428 |
| Q4 2024 | $149.6M | $131.1M | $95.1M | $16.0M | $685K | 0.46% | 3.85% | 0.29% | 15,125 |
| Q3 2024 | $146.6M | $130.1M | $93.9M | $15.8M | $480K | 0.44% | 3.80% | 0.39% | 15,089 |
| Q2 2024 | $149.0M | $130.7M | $94.8M | $16.0M | $255K | 0.34% | 3.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 15,324 |
Loan mix (Q1 2026): real estate $26.5M · commercial $0 · consumer $72.3M · securities $20.3M
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.