| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.3 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 0.43% | 0.69% | -0.3 pts |
| ROE | 5.1% | 5.9% | -0.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $246.4M | $224.3M | $99.8M | $21.0M | $267K | 0.43% | 3.30% | 1.06% | 21,592 |
| Q4 2025 | $243.9M | $222.0M | $100.4M | $20.8M | $1.3M | 0.52% | 3.29% | 1.12% | 21,793 |
| Q3 2025 | $238.8M | $216.8M | $101.7M | $20.6M | $1.0M | 0.58% | 3.36% | 1.03% | 22,002 |
| Q2 2025 | $241.1M | $220.0M | $101.5M | $19.9M | $409K | 0.34% | 3.29% | 0.89% | 22,204 |
| Q1 2025 | $242.8M | $222.0M | $101.7M | $19.9M | $341K | 0.56% | 3.37% | 1.00% | 22,444 |
| Q4 2024 | $237.4M | $216.8M | $104.4M | $19.5M | $2.6M | 1.08% | 3.17% | 0.84% | 23,045 |
| Q3 2024 | $232.4M | $212.5M | $105.7M | $18.9M | $1.9M | 1.07% | 3.18% | 0.85% | 23,338 |
| Q2 2024 | $226.5M | $207.2M | $105.1M | $18.2M | $1.3M | 1.11% | 3.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.69% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 23,604 |
Loan mix (Q1 2026): real estate $22.7M · commercial $0 · consumer $72.8M · securities $94.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.7% | 66th |
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.