| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.7 pts |
| Share growth (YoY) | +2.0% | +3.3% | -1.3 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.53% | 0.69% | -0.2 pts |
| ROE | 4.5% | 5.9% | -1.5 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $166.3M | $146.4M | $103.5M | $19.5M | $219K | 0.53% | 3.67% | 1.19% | 8,393 |
| Q4 2025 | $164.0M | $144.1M | $102.5M | $19.3M | $826K | 0.50% | 3.77% | 1.40% | 8,422 |
| Q3 2025 | $162.6M | $143.1M | $102.7M | $19.1M | $584K | 0.48% | 3.80% | 1.34% | 8,531 |
| Q2 2025 | $161.7M | $142.3M | $101.8M | $18.8M | $350K | 0.43% | 3.81% | 1.16% | 8,640 |
| Q1 2025 | $162.7M | $143.5M | $102.7M | $18.7M | $209K | 0.51% | 3.76% | 1.17% | 8,692 |
| Q4 2024 | $153.5M | $140.3M | $105.0M | $18.5M | $1.5M | 0.98% | 4.19% | 1.23% | 8,726 |
| Q3 2024 | $153.4M | $140.8M | $104.4M | $18.1M | $1.1M | 0.93% | 4.17% | 1.16% | 8,811 |
| Q2 2024 | $151.7M | $139.8M | $102.1M | $17.6M | $626K | 0.83% | 4.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.34% |
| 8,907 |
Loan mix (Q1 2026): real estate $39.7M · commercial $2.3M · consumer $54.3M · securities $34.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 53th |
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.