| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | -5.4% | +2.9% | -8.4 pts |
| ROA | 0.37% | 0.69% | -0.3 pts |
| ROE | 2.3% | 5.9% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $358.7M | $275.1M | $202.7M | $57.0M | $329K | 0.37% | 3.49% | 1.84% | 18,531 |
| Q4 2025 | $356.0M | $274.5M | $206.1M | $56.7M | $1.6M | 0.46% | 3.53% | 2.02% | 20,040 |
| Q3 2025 | $359.1M | $270.2M | $210.1M | $56.6M | $1.4M | 0.50% | 3.48% | 1.78% | 20,306 |
| Q2 2025 | $357.4M | $272.6M | $211.7M | $57.0M | $916K | 0.51% | 3.46% | 1.77% | 20,657 |
| Q1 2025 | $352.1M | $268.4M | $214.4M | $56.5M | $452K | 0.51% | 3.49% | 1.30% | 21,094 |
| Q4 2024 | $341.6M | $262.8M | $218.7M | $56.1M | $1.2M | 0.34% | 3.58% | 1.66% | 21,633 |
| Q3 2024 | $343.2M | $261.7M | $220.9M | $58.2M | $979K | 0.38% | 3.54% | 1.86% | 21,998 |
| Q2 2024 | $353.7M | $258.5M | $225.4M | $57.3M | $-317K | -0.18% | 3.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.04% |
| 22,424 |
Loan mix (Q1 2026): real estate $45.1M · commercial $76.9M · consumer $54.0M · securities $127.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.7% | 56th |
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.