| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.7 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | -7.2% | +2.9% | -10.1 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 7.2% | 5.9% | +1.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.6M | $169.5M | $104.8M | $18.7M | $339K | 0.71% | 3.32% | 0.55% | 17,238 |
| Q4 2025 | $184.0M | $163.9M | $108.7M | $18.4M | $1.7M | 0.92% | 3.65% | 0.55% | 17,177 |
| Q3 2025 | $182.1M | $162.2M | $111.1M | $18.2M | $1.4M | 1.00% | 3.62% | 0.51% | 17,173 |
| Q2 2025 | $182.9M | $163.5M | $113.9M | $17.9M | $1.1M | 1.22% | 3.58% | 0.44% | 17,130 |
| Q1 2025 | $183.6M | $164.3M | $112.8M | $17.4M | $618K | 1.35% | 3.56% | 0.41% | 17,241 |
| Q4 2024 | $179.6M | $161.6M | $115.9M | $16.8M | $1.4M | 0.76% | 3.45% | 0.59% | 17,521 |
| Q3 2024 | $177.8M | $160.1M | $116.1M | $16.5M | $929K | 0.70% | 3.36% | 0.84% | 17,448 |
| Q2 2024 | $176.2M | $158.4M | $113.2M | $16.2M | $605K | 0.69% | 3.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 17,597 |
Loan mix (Q1 2026): real estate $23.6M · commercial $13.6M · consumer $62.1M · securities $54.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 78.7% | 62th |
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% |
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