| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +0.2% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +1.8% | -2.4% | +4.2 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.3M | $67.1M | $56.4M | $18.1M | $114K | 0.51% | 6.27% | 3.32% | 8,683 |
| Q4 2025 | $87.0M | $63.7M | $55.4M | $18.0M | $1.2M | 1.37% | 5.63% | 4.09% | 8,792 |
| Q3 2025 | $85.9M | $62.8M | $54.7M | $18.1M | $1.1M | 1.73% | 5.36% | 3.61% | 8,882 |
| Q2 2025 | $88.8M | $65.9M | $54.4M | $18.1M | $1.0M | 2.35% | 4.87% | 5.14% | 9,081 |
| Q1 2025 | $89.8M | $67.0M | $55.4M | $18.0M | $1.0M | 4.50% | 4.83% | 9.53% | 9,193 |
| Q4 2024 | $89.6M | $66.7M | $55.7M | $17.0M | $216K | 0.24% | 4.53% | 8.96% | 9,348 |
| Q3 2024 | $89.6M | $65.9M | $56.5M | $17.2M | $174K | 0.26% | 4.50% | 8.14% | 9,538 |
| Q2 2024 | $90.0M | $67.4M | $56.8M | $17.1M | $86K | 0.19% | 4.51% | 8.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,653 |
Loan mix (Q1 2026): real estate $31.8M · commercial $17.8M · consumer $5.6M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 81.5% | 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% |
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