| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.9% | -4.4 pts |
| Share growth (YoY) | -2.9% | +3.3% | -6.2 pts |
| Loan growth (YoY) | -5.3% | +2.9% | -8.3 pts |
| ROA | 1.52% | 0.69% | +0.8 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $204.3M | $145.6M | $137.6M | $58.5M | $778K | 1.52% | 2.28% | 0.42% | 3,244 |
| Q4 2025 | $203.4M | $145.5M | $138.5M | $57.7M | $3.4M | 1.68% | 2.44% | 0.44% | 3,251 |
| Q3 2025 | $205.6M | $148.4M | $141.0M | $57.0M | $2.7M | 1.77% | 2.51% | 0.41% | 3,266 |
| Q2 2025 | $202.4M | $146.2M | $142.3M | $56.1M | $1.8M | 1.76% | 2.54% | 0.73% | 3,272 |
| Q1 2025 | $205.3M | $150.0M | $145.3M | $55.2M | $895K | 1.74% | 2.47% | 0.23% | 3,291 |
| Q4 2024 | $205.0M | $150.5M | $147.5M | $54.3M | $3.2M | 1.54% | 2.29% | 0.26% | 3,284 |
| Q3 2024 | $204.8M | $151.1M | $148.3M | $53.6M | $2.4M | 1.59% | 2.34% | 0.27% | 3,292 |
| Q2 2024 | $203.8M | $151.0M | $149.4M | $52.7M | $1.6M | 1.53% | 2.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 3,301 |
Loan mix (Q1 2026): real estate $126.8M · commercial $1.4M · consumer $7.5M · securities $45.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.7% | 78.7% | 0th |
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.