| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +3.9% | -9.4 pts |
| Share growth (YoY) | -7.5% | +3.3% | -10.8 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.5 pts |
| ROA | 1.91% | 0.69% | +1.2 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $227.8M | $186.2M | $112.1M | $44.5M | $1.1M | 1.91% | 3.32% | 0.01% | 10,953 |
| Q4 2025 | $226.8M | $186.3M | $111.5M | $43.4M | $3.0M | 1.34% | 2.93% | 0.56% | 10,961 |
| Q3 2025 | $230.2M | $190.8M | $110.3M | $42.4M | $2.1M | 1.19% | 2.76% | 0.41% | 11,077 |
| Q2 2025 | $235.8M | $197.2M | $109.2M | $41.7M | $1.3M | 1.10% | 2.58% | 0.53% | 11,171 |
| Q1 2025 | $241.1M | $201.3M | $108.4M | $40.9M | $555K | 0.92% | 2.42% | 0.59% | 11,125 |
| Q4 2024 | $233.4M | $196.7M | $108.8M | $40.4M | $2.5M | 1.05% | 2.11% | 0.94% | 10,775 |
| Q3 2024 | $234.2M | $197.6M | $109.0M | $39.9M | $2.0M | 1.13% | 2.06% | 0.70% | 10,907 |
| Q2 2024 | $233.2M | $198.5M | $108.9M | $39.2M | $1.3M | 1.13% | 2.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 10,972 |
Loan mix (Q1 2026): real estate $99.1M · commercial $0 · consumer $12.5M · securities $95.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 78.7% | 3th |
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.