| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +3.9% | +11.3 pts |
| Share growth (YoY) | +16.2% | +3.3% | +12.9 pts |
| Loan growth (YoY) | +8.1% | +2.9% | +5.2 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.8% | 5.9% | -5.2 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $191.4M | $173.7M | $138.5M | $16.6M | $32K | 0.07% | 3.18% | 0.12% | 9,676 |
| Q4 2025 | $188.8M | $171.9M | $134.5M | $16.5M | $662K | 0.35% | 3.16% | 0.09% | 9,642 |
| Q3 2025 | $178.3M | $161.1M | $134.4M | $16.2M | $429K | 0.32% | 3.32% | 0.08% | 9,766 |
| Q2 2025 | $166.9M | $149.9M | $134.1M | $16.1M | $247K | 0.30% | 3.52% | 0.02% | 9,852 |
| Q1 2025 | $166.1M | $149.4M | $128.1M | $16.0M | $133K | 0.32% | 3.44% | 0.11% | 9,861 |
| Q4 2024 | $165.1M | $148.6M | $128.1M | $15.8M | $294K | 0.18% | 3.22% | 0.05% | 9,854 |
| Q3 2024 | $160.9M | $143.8M | $127.0M | $15.8M | $262K | 0.22% | 3.26% | 0.13% | 9,894 |
| Q2 2024 | $165.5M | $148.6M | $125.1M | $15.7M | $166K | 0.20% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 5.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 9,911 |
Loan mix (Q1 2026): real estate $61.8M · commercial $0 · consumer $73.3M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 78.7% | 92th |
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% |
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