| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +4.0% | +3.3% | +0.7 pts |
| Loan growth (YoY) | -7.7% | +2.9% | -10.6 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 3.1% | 5.9% | -2.9 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $109.3M | $94.8M | $51.8M | $14.5M | $111K | 0.41% | 2.60% | 0.07% | 4,430 |
| Q4 2025 | $108.0M | $93.4M | $55.6M | $14.4M | $133K | 0.12% | 2.40% | 0.00% | 4,454 |
| Q3 2025 | $107.6M | $93.2M | $55.3M | $14.3M | $83K | 0.10% | 2.34% | 0.00% | 4,454 |
| Q2 2025 | $103.0M | $89.0M | $53.9M | $14.3M | $60K | 0.12% | 2.44% | 0.05% | 4,471 |
| Q1 2025 | $105.1M | $91.1M | $56.1M | $14.2M | $21K | 0.08% | 2.31% | 0.00% | 4,492 |
| Q4 2024 | $103.0M | $89.5M | $54.0M | $14.2M | $135K | 0.13% | 2.23% | 0.00% | 4,526 |
| Q3 2024 | $101.8M | $87.6M | $54.2M | $14.2M | $106K | 0.14% | 2.19% | 0.00% | 4,516 |
| Q2 2024 | $102.3M | $89.2M | $50.7M | $14.2M | $101K | 0.20% | 2.19% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 4,535 |
Loan mix (Q1 2026): real estate $3.8M · commercial $29.7M · consumer $16.4M · securities $44.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 78.7% | 73th |
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.