| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.2 pts |
| Loan growth (YoY) | -9.6% | +2.9% | -12.5 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 4.3% | 5.9% | -1.7 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $213.3M | $182.3M | $125.4M | $34.3M | $367K | 0.69% | 3.08% | 0.05% | 18,295 |
| Q4 2025 | $212.9M | $181.9M | $127.7M | $33.9M | $1.4M | 0.66% | 3.12% | 0.06% | 18,347 |
| Q3 2025 | $210.8M | $180.3M | $130.8M | $33.6M | $1.1M | 0.69% | 3.12% | 0.05% | 18,562 |
| Q2 2025 | $209.4M | $180.7M | $134.9M | $33.2M | $657K | 0.63% | 3.12% | 0.09% | 18,728 |
| Q1 2025 | $210.5M | $182.1M | $138.7M | $32.7M | $173K | 0.33% | 2.99% | 0.05% | 19,025 |
| Q4 2024 | $203.1M | $175.7M | $141.6M | $32.5M | $844K | 0.42% | 3.13% | 0.11% | 19,169 |
| Q3 2024 | $207.1M | $178.5M | $144.7M | $32.2M | $548K | 0.35% | 3.05% | 0.09% | 19,341 |
| Q2 2024 | $210.3M | $182.0M | $149.3M | $32.1M | $356K | 0.34% | 2.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 19,527 |
Loan mix (Q1 2026): real estate $57.5M · commercial $119K · consumer $65.3M · securities $47.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 78.7% | 60th |
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.