| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +3.9% | +7.5 pts |
| Share growth (YoY) | +10.7% | +3.3% | +7.4 pts |
| Loan growth (YoY) | +10.8% | +2.9% | +7.8 pts |
| ROA | -0.02% | 0.69% | -0.7 pts |
| ROE | -0.2% | 5.9% | -6.1 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $205.4M | $180.1M | $141.5M | $24.3M | $-12K | -0.02% | 3.99% | 0.45% | 14,907 |
| Q4 2025 | $200.6M | $175.2M | $140.2M | $24.3M | $974K | 0.49% | 3.96% | 0.56% | 14,700 |
| Q3 2025 | $202.0M | $176.8M | $139.9M | $24.5M | $1.1M | 0.70% | 3.93% | 0.46% | 14,833 |
| Q2 2025 | $204.7M | $179.1M | $143.2M | $24.7M | $1.3M | 1.23% | 3.86% | 0.57% | 15,470 |
| Q1 2025 | $184.4M | $162.7M | $127.8M | $21.6M | $-56K | -0.12% | 3.56% | 0.29% | 13,072 |
| Q4 2024 | $180.1M | $158.3M | $132.0M | $21.6M | $-327K | -0.18% | 3.71% | 0.52% | 13,312 |
| Q3 2024 | $185.6M | $164.0M | $136.5M | $21.8M | $-223K | -0.16% | 3.64% | 0.38% | 13,563 |
| Q2 2024 | $208.5M | $171.0M | $142.0M | $22.0M | $4K | 0.00% | 3.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 14,443 |
Loan mix (Q1 2026): real estate $55.8M · commercial $0 · consumer $78.0M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 78.7% | 87th |
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.