| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +3.9% | -2.9 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.4 pts |
| Loan growth (YoY) | -14.3% | +2.9% | -17.2 pts |
| ROA | 0.87% | 0.69% | +0.2 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $232.7M | $210.4M | $138.3M | $21.2M | $509K | 0.87% | 4.22% | 0.63% | 22,762 |
| Q4 2025 | $229.4M | $207.6M | $146.8M | $20.7M | $1.9M | 0.81% | 4.05% | 0.50% | 22,747 |
| Q3 2025 | $227.0M | $205.0M | $152.3M | $20.1M | $1.3M | 0.74% | 4.05% | 0.35% | 22,142 |
| Q2 2025 | $228.4M | $206.5M | $157.2M | $19.4M | $586K | 0.51% | 3.95% | 0.42% | 22,061 |
| Q1 2025 | $230.5M | $208.6M | $161.3M | $19.1M | $209K | 0.36% | 3.83% | 0.45% | 21,936 |
| Q4 2024 | $234.2M | $213.0M | $168.0M | $18.9M | $1.3M | 0.54% | 3.37% | 0.50% | 23,222 |
| Q3 2024 | $231.2M | $210.2M | $174.6M | $18.3M | $706K | 0.41% | 3.34% | 0.27% | 23,122 |
| Q2 2024 | $230.3M | $209.3M | $177.6M | $17.9M | $285K | 0.25% | 3.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 23,038 |
Loan mix (Q1 2026): real estate $37.8M · commercial $13.8M · consumer $80.1M · securities $40.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 78.7% | 32th |
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.