| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | -0.7% | +3.3% | -4.0 pts |
| Loan growth (YoY) | +2.5% | +2.9% | -0.4 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $114.3M | $108.3M | $73.5M | $10.9M | $134K | 0.47% | 3.74% | 0.13% | 6,971 |
| Q4 2025 | $114.3M | $108.7M | $72.2M | $10.8M | $830K | 0.73% | 3.91% | 0.19% | 7,025 |
| Q3 2025 | $111.5M | $105.8M | $73.1M | $10.6M | $665K | 0.80% | 4.03% | 0.10% | 7,096 |
| Q2 2025 | $113.3M | $108.1M | $71.8M | $10.4M | $469K | 0.83% | 4.00% | 0.04% | 12,573 |
| Q1 2025 | $114.1M | $109.0M | $71.7M | $10.2M | $253K | 0.89% | 3.91% | 0.24% | 12,731 |
| Q4 2024 | $110.7M | $106.2M | $71.4M | $9.9M | $1.0M | 0.94% | 3.71% | 0.24% | 12,688 |
| Q3 2024 | $110.5M | $105.5M | $71.3M | $9.7M | $785K | 0.95% | 3.64% | 0.24% | 12,678 |
| Q2 2024 | $110.4M | $106.0M | $71.3M | $9.4M | $489K | 0.89% | 3.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 12,650 |
Loan mix (Q1 2026): real estate $33.0M · commercial $6.0M · consumer $34.1M · securities $22.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 78.7% | 63th |
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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