| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.9% | -4.2 pts |
| Share growth (YoY) | -1.1% | +3.3% | -4.4 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.7 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.3 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $137.5M | $122.7M | $73.4M | $15.3M | $138K | 0.40% | 3.52% | 0.43% | 13,911 |
| Q4 2025 | $137.3M | $122.1M | $72.8M | $15.1M | $556K | 0.41% | 3.51% | 0.55% | 13,855 |
| Q3 2025 | $135.4M | $120.6M | $71.7M | $14.9M | $369K | 0.36% | 3.47% | 0.58% | 13,865 |
| Q2 2025 | $137.9M | $123.7M | $72.8M | $14.9M | $297K | 0.43% | 3.38% | 0.57% | 13,825 |
| Q1 2025 | $138.0M | $124.1M | $72.5M | $14.8M | $145K | 0.42% | 3.34% | 0.67% | 13,791 |
| Q4 2024 | $133.3M | $119.7M | $73.5M | $14.6M | $759K | 0.57% | 3.54% | 0.86% | 13,857 |
| Q3 2024 | $133.9M | $120.1M | $72.9M | $14.5M | $589K | 0.59% | 3.51% | 0.71% | 14,009 |
| Q2 2024 | $135.5M | $121.5M | $72.5M | $14.3M | $377K | 0.56% | 3.47% |
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% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 13,983 |
Loan mix (Q1 2026): real estate $22.7M · commercial $15.3M · consumer $34.7M · securities $55.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 78.7% | 69th |
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.