| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.5 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | -5.5% | +2.9% | -8.4 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 4.4% | 5.9% | -1.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $260.1M | $237.7M | $192.5M | $19.5M | $213K | 0.33% | 3.66% | 0.96% | 13,724 |
| Q4 2025 | $258.9M | $236.6M | $194.6M | $19.9M | $1.9M | 0.73% | 3.79% | 0.79% | 13,687 |
| Q3 2025 | $256.8M | $235.3M | $194.0M | $19.5M | $1.5M | 0.78% | 3.81% | 1.21% | 13,673 |
| Q2 2025 | $255.8M | $234.2M | $200.1M | $18.8M | $688K | 0.54% | 3.79% | 1.34% | 13,610 |
| Q1 2025 | $253.8M | $232.6M | $203.7M | $18.5M | $375K | 0.59% | 3.82% | 0.83% | 13,526 |
| Q4 2024 | $253.5M | $233.4M | $206.1M | $18.1M | $-342K | -0.13% | 3.74% | 0.99% | 13,564 |
| Q3 2024 | $248.0M | $228.3M | $209.6M | $18.1M | $-307K | -0.17% | 3.80% | 0.89% | 13,553 |
| Q2 2024 | $244.8M | $219.6M | $215.0M | $17.8M | $-677K | -0.55% | 3.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 13,471 |
Loan mix (Q1 2026): real estate $78.8M · commercial $49.3M · consumer $42.3M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 78.7% | 77th |
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.