| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $282.6M | $252.1M | $241.1M | $27.6M | $202K | 0.29% | 3.26% | 0.64% | 10,041 |
| Q4 2025 | $278.5M | $248.2M | $248.5M | $27.4M | $554K | 0.20% | 3.25% | 0.64% | 10,234 |
| Q3 2025 | $277.6M | $247.1M | $228.7M | $27.3M | $470K | 0.23% | 3.25% | 0.64% | 10,274 |
| Q2 2025 | $277.0M | $246.8M | $221.9M | $27.1M | $212K | 0.15% | 3.22% | 0.69% | 10,370 |
| Q1 2025 | $274.0M | $244.0M | $228.9M | $27.0M | $125K | 0.18% | 3.25% | 0.47% | 10,383 |
| Q4 2024 | $268.1M | $238.4M | $230.6M | $26.9M | $1.9M | 0.72% | 3.20% | 0.73% | 10,516 |
| Q3 2024 | $266.3M | $236.3M | $222.6M | $26.9M | $2.0M | 0.98% | 3.19% | 0.70% | 10,558 |
| Q2 2024 | $272.3M | $242.1M | $230.4M | $26.7M | $1.7M | 1.28% | 3.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 10,757 |
Loan mix (Q1 2026): real estate $134.2M · commercial $290K · consumer $76.9M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 78.7% | 68th |
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.