| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.4 pts |
| ROA | 0.60% | 0.69% | -0.1 pts |
| ROE | 3.2% | 5.9% | -2.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $110.8M | $89.9M | $51.4M | $20.4M | $165K | 0.60% | 3.74% | 0.72% | 9,310 |
| Q4 2025 | $108.6M | $88.0M | $52.3M | $20.3M | $1.5M | 1.37% | 4.20% | 0.67% | 9,389 |
| Q3 2025 | $106.1M | $85.7M | $52.2M | $19.9M | $1.1M | 1.39% | 4.33% | 0.80% | 9,485 |
| Q2 2025 | $105.5M | $85.6M | $52.3M | $19.5M | $709K | 1.34% | 4.32% | 0.49% | 9,566 |
| Q1 2025 | $105.5M | $86.0M | $52.1M | $19.1M | $285K | 1.08% | 4.23% | 0.45% | 9,642 |
| Q4 2024 | $103.1M | $84.2M | $52.2M | $19.0M | $1.8M | 1.70% | 4.21% | 0.46% | 9,702 |
| Q3 2024 | $81.4M | $64.1M | $39.7M | $16.9M | $1.4M | 2.23% | 4.25% | 0.33% | 5,701 |
| Q2 2024 | $80.5M | $63.8M | $39.0M | $16.5M | $913K | 2.27% | 4.29% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,742 |
Loan mix (Q1 2026): real estate $17.7M · commercial $0 · consumer $32.9M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.7% | 61th |
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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