| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +3.9% | -6.8 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.9 pts |
| ROA | 0.15% | 0.69% | -0.5 pts |
| ROE | 1.7% | 5.9% | -4.3 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $146.0M | $131.7M | $106.3M | $12.7M | $53K | 0.15% | 3.26% | 0.85% | 12,087 |
| Q4 2025 | $138.8M | $121.7M | $107.7M | $12.6M | $403K | 0.29% | 3.30% | 0.77% | 11,920 |
| Q3 2025 | $141.1M | $123.7M | $106.6M | $12.6M | $388K | 0.37% | 3.28% | 0.96% | 11,617 |
| Q2 2025 | $144.9M | $124.8M | $104.8M | $12.6M | $229K | 0.32% | 3.17% | 1.30% | 11,617 |
| Q1 2025 | $150.4M | $130.1M | $102.4M | $12.4M | $45K | 0.12% | 2.81% | 1.16% | 11,408 |
| Q4 2024 | $142.9M | $121.8M | $104.8M | $12.3M | $128K | 0.09% | 2.88% | 0.94% | 11,153 |
| Q3 2024 | $144.0M | $121.7M | $106.4M | $12.3M | $132K | 0.12% | 2.86% | 0.74% | 11,350 |
| Q2 2024 | $143.8M | $121.3M | $107.5M | $12.4M | $84K | 0.12% | 2.83% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.69% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 11,379 |
Loan mix (Q1 2026): real estate $49.5M · commercial $13.7M · consumer $40.4M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 78.7% | 89th |
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.