| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.3 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.7 pts |
| ROA | 0.54% | 0.69% | -0.2 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $145.9M | $112.5M | $81.1M | $32.1M | $195K | 0.54% | 3.44% | 1.05% | 8,240 |
| Q4 2025 | $142.7M | $109.8M | $80.8M | $32.0M | $612K | 0.43% | 3.47% | 1.55% | 8,210 |
| Q3 2025 | $142.6M | $109.6M | $82.2M | $31.8M | $417K | 0.39% | 3.46% | 1.00% | 8,317 |
| Q2 2025 | $143.4M | $110.9M | $82.0M | $31.6M | $254K | 0.35% | 3.39% | 1.17% | 8,497 |
| Q1 2025 | $143.6M | $111.3M | $82.5M | $31.4M | $91K | 0.25% | 3.34% | 0.91% | 8,598 |
| Q4 2024 | $141.4M | $109.0M | $83.4M | $31.3M | $390K | 0.28% | 3.22% | 1.08% | 8,730 |
| Q3 2024 | $140.0M | $107.9M | $84.5M | $31.2M | $275K | 0.26% | 3.23% | 0.65% | 8,668 |
| Q2 2024 | $140.6M | $108.0M | $86.1M | $31.2M | $205K | 0.29% | 3.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 10,887 |
Loan mix (Q1 2026): real estate $19.5M · commercial $0 · consumer $57.2M · securities $29.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 78.7% | 33th |
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.