| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.7 pts |
| Share growth (YoY) | -2.6% | +3.3% | -5.9 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.1 pts |
| ROA | 0.23% | 0.69% | -0.5 pts |
| ROE | 1.7% | 5.9% | -4.3 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $279.3M | $235.3M | $117.5M | $37.2M | $157K | 0.23% | 2.00% | 0.01% | 9,838 |
| Q4 2025 | $269.9M | $228.8M | $115.8M | $37.0M | $617K | 0.23% | 1.81% | 0.03% | 9,732 |
| Q3 2025 | $274.5M | $235.5M | $116.4M | $36.6M | $195K | 0.09% | 1.73% | 0.01% | 9,701 |
| Q2 2025 | $270.1M | $237.4M | $118.6M | $36.5M | $84K | 0.06% | 1.71% | 0.01% | 9,693 |
| Q1 2025 | $273.3M | $241.6M | $118.8M | $36.4M | $5K | 0.01% | 1.63% | 0.00% | 9,693 |
| Q4 2024 | $277.5M | $236.6M | $117.1M | $36.4M | $-484K | -0.17% | 1.41% | 0.00% | 9,671 |
| Q3 2024 | $283.7M | $244.8M | $116.8M | $36.3M | $-598K | -0.28% | 1.38% | 0.00% | 9,640 |
| Q2 2024 | $281.1M | $247.0M | $115.5M | $36.4M | $-495K | -0.35% | 1.38% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 9,600 |
Loan mix (Q1 2026): real estate $88.8M · commercial $0 · consumer $27.2M · securities $96.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 78.7% | 75th |
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.