| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +3.9% | -6.3 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.4M | $137.6M | $136.4M | $15.6M | $202K | 0.49% | 2.80% | 0.85% | 8,725 |
| Q4 2025 | $163.4M | $133.8M | $132.7M | $15.4M | $799K | 0.49% | 2.82% | 1.12% | 8,660 |
| Q3 2025 | $164.5M | $133.5M | $133.8M | $15.3M | $672K | 0.54% | 2.73% | 0.92% | 8,707 |
| Q2 2025 | $169.6M | $134.4M | $140.6M | $14.9M | $342K | 0.40% | 2.56% | 0.36% | 8,720 |
| Q1 2025 | $168.5M | $134.6M | $138.2M | $14.7M | $116K | 0.28% | 2.46% | 0.20% | 8,740 |
| Q4 2024 | $167.0M | $131.6M | $138.6M | $14.6M | $519K | 0.31% | 2.38% | 0.40% | 8,733 |
| Q3 2024 | $169.6M | $131.8M | $139.6M | $14.7M | $415K | 0.33% | 2.30% | 0.91% | 8,707 |
| Q2 2024 | $165.8M | $130.1M | $136.3M | $14.4M | $156K | 0.19% | 2.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 8,666 |
Loan mix (Q1 2026): real estate $68.8M · commercial $8.9M · consumer $55.4M · securities $12.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 78.7% | 28th |
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.