| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +3.9% | -2.7 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | +10.6% | +2.9% | +7.6 pts |
| ROA | 1.19% | 0.69% | +0.5 pts |
| ROE | 7.1% | 5.9% | +1.1 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $188.7M | $158.1M | $100.0M | $31.8M | $563K | 1.19% | 3.23% | 1.42% | 12,429 |
| Q4 2025 | $184.3M | $155.7M | $98.4M | $31.3M | $2.4M | 1.28% | 3.12% | 1.05% | 12,507 |
| Q3 2025 | $184.4M | $154.7M | $97.4M | $30.7M | $1.8M | 1.28% | 3.06% | 0.51% | 12,403 |
| Q2 2025 | $186.0M | $157.1M | $93.6M | $30.0M | $1.1M | 1.17% | 2.95% | 0.49% | 12,503 |
| Q1 2025 | $186.5M | $158.6M | $90.5M | $29.5M | $529K | 1.13% | 2.87% | 0.51% | 12,559 |
| Q4 2024 | $181.2M | $152.7M | $90.6M | $28.9M | $2.2M | 1.22% | 2.82% | 0.88% | 12,635 |
| Q3 2024 | $177.5M | $150.6M | $90.5M | $28.5M | $1.7M | 1.31% | 2.87% | 0.35% | 12,775 |
| Q2 2024 | $178.9M | $152.3M | $88.6M | $27.9M | $1.1M | 1.27% | 2.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 12,778 |
Loan mix (Q1 2026): real estate $74.8M · commercial $1.2M · consumer $21.0M · securities $33.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 78.7% | 28th |
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.