| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +3.9% | -2.7 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +9.4% | +2.9% | +6.5 pts |
| ROA | 0.43% | 0.69% | -0.3 pts |
| ROE | 3.7% | 5.9% | -2.3 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 | $267.8M | $238.3M | $117.6M | $31.1M | $287K | 0.43% | 3.46% | 0.52% | 19,617 |
| Q4 2025 | $262.7M | $233.3M | $114.3M | $30.8M | $1.6M | 0.61% | 3.65% | 0.40% | 19,688 |
| Q3 2025 | $259.0M | $229.8M | $117.3M | $30.4M | $1.2M | 0.64% | 3.71% | 0.38% | 19,840 |
| Q2 2025 | $260.4M | $232.7M | $115.2M | $29.9M | $729K | 0.56% | 3.61% | 0.25% | 19,921 |
| Q1 2025 | $264.5M | $237.2M | $107.5M | $29.6M | $390K | 0.59% | 3.46% | 0.33% | 20,103 |
| Q4 2024 | $256.2M | $231.2M | $110.3M | $29.2M | $1.8M | 0.70% | 3.33% | 0.42% | 20,804 |
| Q3 2024 | $265.3M | $238.9M | $111.5M | $28.9M | $1.5M | 0.73% | 3.15% | 0.36% | 22,543 |
| Q2 2024 | $271.1M | $247.2M | $112.8M | $28.3M | $893K | 0.66% | 2.96% |
| 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 | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 22,415 |
Loan mix (Q1 2026): real estate $49.6M · commercial $0 · consumer $65.4M · securities $80.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 78.7% | 71th |
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.