| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 0.04% | 0.69% | -0.7 pts |
| ROE | 0.5% | 5.9% | -5.5 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.1M | $114.1M | $87.5M | $9.9M | $12K | 0.04% | 3.62% | 2.75% | 10,093 |
| Q4 2025 | $118.2M | $106.5M | $89.2M | $9.9M | $180K | 0.15% | 4.04% | 2.42% | 10,061 |
| Q3 2025 | $117.0M | $105.4M | $89.8M | $9.8M | $101K | 0.12% | 4.07% | 2.90% | 10,497 |
| Q2 2025 | $119.7M | $108.0M | $91.4M | $9.8M | $64K | 0.11% | 3.98% | 2.24% | 11,035 |
| Q1 2025 | $122.9M | $111.4M | $85.1M | $9.7M | $12K | 0.04% | 3.75% | 2.31% | 11,218 |
| Q4 2024 | $120.4M | $106.5M | $88.6M | $9.7M | $-748K | -0.62% | 3.86% | 2.65% | 11,259 |
| Q3 2024 | $121.2M | $104.5M | $91.1M | $9.9M | $-570K | -0.63% | 3.82% | 3.28% | 11,434 |
| Q2 2024 | $123.8M | $104.9M | $93.2M | $10.5M | $4K | 0.01% | 3.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.97% |
| 12,730 |
Loan mix (Q1 2026): real estate $29.4M · commercial $2.4M · consumer $48.1M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 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.