| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | -4.9% | +2.9% | -7.9 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 5.8% | 5.9% | -0.2 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $146.5M | $137.2M | $71.8M | $12.6M | $182K | 0.50% | 2.14% | 0.30% | 7,000 |
| Q4 2025 | $142.5M | $133.4M | $73.6M | $12.4M | $-75K | -0.05% | 2.05% | 0.18% | 6,864 |
| Q3 2025 | $139.9M | $130.8M | $74.7M | $12.4M | $315K | 0.30% | 2.06% | 0.31% | 7,000 |
| Q2 2025 | $140.0M | $131.2M | $74.5M | $12.3M | $192K | 0.27% | 2.01% | 0.37% | 7,000 |
| Q1 2025 | $138.4M | $129.7M | $75.5M | $12.1M | $58K | 0.17% | 1.92% | 0.33% | 7,000 |
| Q4 2024 | $133.6M | $125.2M | $75.7M | $12.1M | $-75K | -0.06% | 1.71% | 0.29% | 7,000 |
| Q3 2024 | $129.6M | $120.6M | $76.2M | $12.1M | $-87K | -0.09% | 1.71% | 0.23% | 7,015 |
| Q2 2024 | $129.7M | $120.9M | $77.6M | $12.0M | $-109K | -0.17% | 1.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 7,067 |
Loan mix (Q1 2026): real estate $49.0M · commercial $0 · consumer $21.8M · securities $61.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 45th |
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.