| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | +2.2% | +2.9% | -0.7 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $263.7M | $237.9M | $150.6M | $28.3M | $405K | 0.61% | 3.65% | 0.87% | 21,796 |
| Q4 2025 | $257.3M | $234.3M | $151.9M | $27.9M | $1.9M | 0.72% | 3.60% | 1.21% | 21,992 |
| Q3 2025 | $256.0M | $231.6M | $148.7M | $28.0M | $1.6M | 0.84% | 3.67% | 0.47% | 22,101 |
| Q2 2025 | $258.8M | $234.4M | $148.0M | $27.5M | $1.1M | 0.86% | 3.57% | 1.04% | 22,233 |
| Q1 2025 | $259.2M | $236.2M | $147.3M | $26.9M | $507K | 0.78% | 3.50% | 0.92% | 22,267 |
| Q4 2024 | $251.3M | $228.3M | $147.4M | $26.4M | $2.0M | 0.80% | 3.28% | 0.79% | 22,301 |
| Q3 2024 | $251.5M | $229.5M | $146.7M | $25.9M | $1.1M | 0.58% | 3.28% | 1.53% | 22,390 |
| Q2 2024 | $258.5M | $240.0M | $150.1M | $25.5M | $649K | 0.50% | 3.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.59% |
| 22,676 |
Loan mix (Q1 2026): real estate $77.1M · commercial $1.5M · consumer $62.8M · securities $84.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.4% | 78.7% | 67th |
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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