| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +0.1% | +2.9% | -2.9 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 5.8% | 5.9% | -0.1 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $448.4M | $393.5M | $313.3M | $48.2M | $702K | 0.63% | 2.97% | 0.69% | 17,696 |
| Q4 2025 | $439.8M | $387.9M | $313.2M | $47.5M | $2.6M | 0.59% | 3.08% | 1.01% | 17,775 |
| Q3 2025 | $439.5M | $387.2M | $311.2M | $47.1M | $2.3M | 0.69% | 3.06% | 1.01% | 17,902 |
| Q2 2025 | $442.2M | $390.1M | $313.2M | $46.4M | $1.5M | 0.67% | 3.01% | 1.25% | 18,015 |
| Q1 2025 | $442.1M | $391.7M | $313.1M | $45.6M | $729K | 0.66% | 2.92% | 0.99% | 18,092 |
| Q4 2024 | $430.3M | $380.5M | $315.0M | $44.9M | $6.8M | 1.59% | 3.19% | 1.49% | 18,256 |
| Q3 2024 | $423.7M | $374.6M | $314.9M | $44.3M | $6.2M | 1.96% | 3.27% | 0.71% | 18,717 |
| Q2 2024 | $425.3M | $376.6M | $316.0M | $43.3M | $5.2M | 2.46% | 3.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 19,003 |
Loan mix (Q1 2026): real estate $225.7M · commercial $55.5M · consumer $29.1M · securities $45.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.7% | 62th |
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.