| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.9% | -2.6 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.4 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.6 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.7M | $137.2M | $114.9M | $18.5M | $110K | 0.28% | 4.95% | 0.94% | 13,906 |
| Q4 2025 | $155.8M | $136.3M | $112.7M | $18.4M | $1.1M | 0.73% | 4.82% | 0.74% | 13,789 |
| Q3 2025 | $158.7M | $139.2M | $112.7M | $17.9M | $625K | 0.53% | 4.64% | 0.58% | 13,781 |
| Q2 2025 | $156.2M | $136.9M | $114.7M | $18.0M | $680K | 0.87% | 4.62% | 0.64% | 13,762 |
| Q1 2025 | $154.7M | $135.6M | $116.6M | $17.7M | $410K | 1.06% | 4.53% | 0.75% | 13,699 |
| Q4 2024 | $150.4M | $132.3M | $117.5M | $17.4M | $1.8M | 1.18% | 4.51% | 0.52% | 13,587 |
| Q3 2024 | $146.9M | $128.6M | $116.6M | $17.1M | $1.5M | 1.34% | 4.56% | 0.38% | 13,471 |
| Q2 2024 | $142.6M | $124.9M | $116.6M | $16.5M | $880K | 1.24% | 4.66% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 13,374 |
Loan mix (Q1 2026): real estate $0 · commercial $4.1M · consumer $102.8M · securities $17.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 78.7% | 44th |
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.