| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.0 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.9 pts |
| Loan growth (YoY) | +0.0% | +2.9% | -2.9 pts |
| ROA | 1.13% | 0.69% | +0.4 pts |
| ROE | 8.8% | 5.9% | +2.9 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $177.7M | $157.6M | $105.1M | $22.8M | $502K | 1.13% | 3.84% | 0.63% | 14,016 |
| Q4 2025 | $182.2M | $161.0M | $107.5M | $22.3M | $1.3M | 0.73% | 3.87% | 0.70% | 14,029 |
| Q3 2025 | $179.9M | $161.2M | $109.0M | $22.1M | $967K | 0.72% | 3.90% | 0.42% | 14,088 |
| Q2 2025 | $179.5M | $161.0M | $105.2M | $21.7M | $623K | 0.69% | 3.86% | 0.45% | 14,095 |
| Q1 2025 | $177.9M | $160.2M | $105.1M | $21.5M | $353K | 0.79% | 3.85% | 0.35% | 14,152 |
| Q4 2024 | $171.9M | $153.8M | $102.5M | $21.1M | $439K | 0.26% | 3.67% | 0.80% | 14,125 |
| Q3 2024 | $169.9M | $153.5M | $102.4M | $21.8M | $945K | 0.74% | 3.67% | 0.45% | 14,227 |
| Q2 2024 | $168.3M | $152.9M | $103.5M | $21.5M | $639K | 0.76% | 3.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.79% |
| 14,248 |
Loan mix (Q1 2026): real estate $28.4M · commercial $3.7M · consumer $63.2M · securities $34.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 78.7% | 44th |
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.