| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.6 pts |
| Share growth (YoY) | +1.3% | +3.3% | -2.0 pts |
| Loan growth (YoY) | -8.0% | +2.9% | -10.9 pts |
| ROA | 0.15% | 0.69% | -0.5 pts |
| ROE | 0.9% | 5.9% | -5.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $262.7M | $225.4M | $115.8M | $45.5M | $100K | 0.15% | 3.49% | 1.73% | 20,906 |
| Q4 2025 | $253.5M | $216.7M | $119.2M | $45.4M | $1.3M | 0.53% | 3.63% | 1.69% | 21,095 |
| Q3 2025 | $252.7M | $216.0M | $121.2M | $45.0M | $1.0M | 0.55% | 3.64% | 1.50% | 21,004 |
| Q2 2025 | $252.8M | $218.2M | $123.8M | $44.5M | $583K | 0.46% | 3.64% | 1.57% | 21,243 |
| Q1 2025 | $256.8M | $222.6M | $125.8M | $44.0M | $94K | 0.15% | 3.59% | 1.88% | 21,265 |
| Q4 2024 | $253.6M | $218.6M | $128.4M | $43.9M | $879K | 0.35% | 3.63% | 1.90% | 21,484 |
| Q3 2024 | $255.3M | $218.9M | $129.9M | $43.6M | $566K | 0.30% | 3.60% | 1.57% | 21,715 |
| Q2 2024 | $257.0M | $223.7M | $130.3M | $43.4M | $304K | 0.24% | 3.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.42% |
| 21,859 |
Loan mix (Q1 2026): real estate $44.5M · commercial $9.0M · consumer $61.1M · securities $102.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 78.7% | 91th |
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.