| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.2 pts |
| ROA | 0.32% | 0.69% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $241.8M | $214.0M | $191.2M | $26.7M | $196K | 0.32% | 2.36% | 0.72% | 7,926 |
| Q4 2025 | $238.8M | $211.1M | $190.7M | $26.5M | $271K | 0.11% | 2.16% | 0.88% | 7,932 |
| Q3 2025 | $238.8M | $211.2M | $191.0M | $26.5M | $194K | 0.11% | 2.11% | 1.33% | 7,906 |
| Q2 2025 | $240.7M | $213.5M | $187.8M | $26.3M | $24K | 0.02% | 2.01% | 1.62% | 7,852 |
| Q1 2025 | $241.8M | $214.6M | $186.1M | $26.2M | $-67K | -0.11% | 1.94% | 1.65% | 8,017 |
| Q4 2024 | $237.6M | $210.4M | $188.5M | $26.3M | $-682K | -0.29% | 1.80% | 1.54% | 8,004 |
| Q3 2024 | $244.6M | $211.9M | $186.8M | $26.5M | $-465K | -0.25% | 1.73% | 1.44% | 7,935 |
| Q2 2024 | $242.8M | $210.1M | $187.6M | $26.6M | $-355K | -0.29% | 1.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.05% |
| 7,839 |
Loan mix (Q1 2026): real estate $179.4M · commercial $1.7M · consumer $9.8M · securities $28.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 78.7% | 68th |
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.