| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.4 pts |
| ROA | 0.24% | 0.69% | -0.5 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $266.9M | $236.1M | $216.3M | $29.4M | $160K | 0.24% | 3.70% | 0.20% | 16,020 |
| Q4 2025 | $266.8M | $232.0M | $215.6M | $29.3M | $1.4M | 0.51% | 3.58% | 0.34% | 16,007 |
| Q3 2025 | $264.6M | $231.2M | $216.5M | $29.2M | $1.0M | 0.52% | 3.55% | 0.23% | 15,962 |
| Q2 2025 | $264.6M | $233.0M | $214.9M | $28.7M | $578K | 0.44% | 3.45% | 0.27% | 15,907 |
| Q1 2025 | $262.7M | $232.9M | $210.9M | $28.4M | $205K | 0.31% | 3.34% | 0.27% | 15,820 |
| Q4 2024 | $257.9M | $227.1M | $208.5M | $28.2M | $806K | 0.31% | 3.21% | 0.24% | 15,795 |
| Q3 2024 | $261.2M | $228.6M | $208.7M | $28.1M | $464K | 0.24% | 3.12% | 0.27% | 15,792 |
| Q2 2024 | $255.5M | $223.4M | $207.4M | $27.9M | $256K | 0.20% | 3.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 15,802 |
Loan mix (Q1 2026): real estate $139.5M · commercial $4.4M · consumer $68.0M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 78.7% | 84th |
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.