| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.9% | -5.5 pts |
| Share growth (YoY) | -2.9% | +3.3% | -6.2 pts |
| Loan growth (YoY) | +2.9% | +2.9% | -0.0 pts |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 1.9% | 5.9% | -4.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.9M | $103.0M | $80.6M | $20.1M | $94K | 0.30% | 4.10% | 0.40% | 11,347 |
| Q4 2025 | $125.9M | $102.3M | $81.3M | $20.0M | $340K | 0.27% | 4.41% | 0.42% | 11,340 |
| Q3 2025 | $126.0M | $102.6M | $79.5M | $19.9M | $252K | 0.27% | 4.39% | 0.62% | 11,477 |
| Q2 2025 | $126.1M | $102.9M | $80.0M | $19.8M | $174K | 0.28% | 4.40% | 0.55% | 11,609 |
| Q1 2025 | $129.0M | $106.1M | $78.3M | $19.7M | $106K | 0.33% | 4.27% | 0.57% | 11,767 |
| Q4 2024 | $126.9M | $103.8M | $79.6M | $19.6M | $320K | 0.25% | 4.52% | 0.58% | 11,834 |
| Q3 2024 | $125.5M | $103.2M | $83.8M | $19.5M | $151K | 0.16% | 4.58% | 0.54% | 12,124 |
| Q2 2024 | $128.7M | $106.5M | $87.1M | $19.4M | $97K | 0.15% | 4.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 12,313 |
Loan mix (Q1 2026): real estate $618K · commercial $0 · consumer $79.3M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 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.