| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | -3.4% | +2.9% | -6.3 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $231.4M | $202.7M | $111.4M | $29.9M | $234K | 0.40% | 2.71% | 0.48% | 14,139 |
| Q4 2025 | $230.0M | $200.7M | $111.2M | $29.7M | $1.2M | 0.52% | 2.66% | 0.27% | 14,196 |
| Q3 2025 | $227.9M | $199.6M | $112.7M | $29.5M | $849K | 0.50% | 2.67% | 0.73% | 14,254 |
| Q2 2025 | $220.0M | $193.0M | $113.7M | $29.2M | $591K | 0.54% | 2.73% | 0.91% | 14,301 |
| Q1 2025 | $218.5M | $191.9M | $115.3M | $28.9M | $248K | 0.45% | 2.70% | 0.00% | 14,348 |
| Q4 2024 | $210.9M | $185.6M | $116.3M | $28.6M | $1.1M | 0.51% | 2.86% | 0.04% | 14,600 |
| Q3 2024 | $208.7M | $182.3M | $116.3M | $28.4M | $700K | 0.45% | 2.88% | 0.48% | 14,640 |
| Q2 2024 | $204.2M | $180.0M | $117.2M | $28.3M | $557K | 0.55% | 2.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 14,681 |
Loan mix (Q1 2026): real estate $85.4M · commercial $0 · consumer $25.8M · securities $89.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 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% |
The full ratio pack is part of CharterBench Pro.