| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.6% | +3.3% | +4.3 pts |
| Loan growth (YoY) | +15.7% | +2.9% | +12.7 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.0% | 5.9% | -5.0 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $273.9M | $243.4M | $117.2M | $34.6M | $83K | 0.12% | 2.91% | 0.87% | 12,837 |
| Q4 2025 | $265.9M | $235.1M | $114.1M | $34.6M | $2.0M | 0.76% | 2.97% | 0.69% | 12,723 |
| Q3 2025 | $260.3M | $230.5M | $108.9M | $34.5M | $1.8M | 0.92% | 2.99% | 0.47% | 12,608 |
| Q2 2025 | $258.0M | $229.3M | $106.2M | $34.1M | $1.5M | 1.12% | 3.00% | 0.39% | 12,463 |
| Q1 2025 | $253.8M | $226.1M | $101.3M | $33.6M | $870K | 1.37% | 2.87% | 0.18% | 12,292 |
| Q4 2024 | $246.4M | $220.8M | $94.1M | $32.7M | $1.6M | 0.64% | 2.50% | 0.21% | 12,143 |
| Q3 2024 | $247.2M | $220.9M | $89.7M | $32.4M | $1.1M | 0.59% | 2.41% | 0.43% | 12,134 |
| Q2 2024 | $248.3M | $223.8M | $87.9M | $31.9M | $600K | 0.48% | 2.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 12,062 |
Loan mix (Q1 2026): real estate $39.0M · commercial $24.2M · consumer $49.8M · securities $118.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 78.7% | 85th |
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.