| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | -10.7% | +2.9% | -13.6 pts |
| ROA | 0.36% | 0.69% | -0.3 pts |
| ROE | 3.4% | 5.9% | -2.5 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $114.1M | $101.7M | $44.0M | $12.0M | $103K | 0.36% | 4.06% | 3.65% | 12,231 |
| Q4 2025 | $111.8M | $99.6M | $45.9M | $11.9M | $608K | 0.54% | 4.08% | 4.86% | 12,219 |
| Q3 2025 | $111.4M | $99.1M | $46.8M | $11.9M | $578K | 0.69% | 4.08% | 5.01% | 12,208 |
| Q2 2025 | $110.3M | $98.3M | $48.4M | $11.7M | $407K | 0.74% | 4.08% | 4.85% | 12,213 |
| Q1 2025 | $110.4M | $98.6M | $49.2M | $11.5M | $144K | 0.52% | 3.99% | 4.76% | 12,253 |
| Q4 2024 | $106.6M | $94.9M | $51.2M | $11.3M | $896K | 0.84% | 3.87% | 5.17% | 12,217 |
| Q3 2024 | $104.7M | $93.1M | $53.6M | $11.2M | $720K | 0.92% | 3.89% | 4.71% | 12,244 |
| Q2 2024 | $106.7M | $95.4M | $54.9M | $11.0M | $552K | 1.04% | 3.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 4.18% |
| 12,145 |
Loan mix (Q1 2026): real estate $6.6M · commercial $0 · consumer $35.7M · securities $46.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 78.7% | 43th |
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.