| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.5 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 4.0% | 5.9% | -1.9 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.4M | $89.6M | $60.7M | $12.7M | $128K | 0.50% | 3.66% | 1.33% | 8,044 |
| Q4 2025 | $101.6M | $88.9M | $58.2M | $12.6M | $451K | 0.44% | 3.40% | 0.41% | 7,965 |
| Q3 2025 | $100.9M | $88.3M | $58.4M | $12.5M | $366K | 0.48% | 3.35% | 0.03% | 7,944 |
| Q2 2025 | $99.9M | $87.9M | $59.2M | $12.2M | $97K | 0.19% | 3.32% | 0.08% | 7,918 |
| Q1 2025 | $101.5M | $86.4M | $61.0M | $12.2M | $80K | 0.31% | 3.18% | 0.18% | 8,077 |
| Q4 2024 | $97.7M | $82.6M | $61.7M | $12.1M | $231K | 0.24% | 3.11% | 0.20% | 8,073 |
| Q3 2024 | $101.2M | $83.0M | $62.2M | $12.0M | $165K | 0.22% | 2.95% | 0.23% | 8,066 |
| Q2 2024 | $101.0M | $83.1M | $63.8M | $12.0M | $121K | 0.24% | 2.92% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,063 |
Loan mix (Q1 2026): real estate $34.7M · commercial $0 · consumer $25.4M · securities $29.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.0% | 78.7% | 47th |
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% |
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