| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +3.9% | -3.1 pts |
| Share growth (YoY) | +0.2% | +3.3% | -3.1 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.4 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $289.7M | $271.6M | $164.6M | $21.4M | $49K | 0.07% | 3.05% | 2.07% | 8,699 |
| Q4 2025 | $284.7M | $266.7M | $165.1M | $21.4M | $129K | 0.05% | 2.91% | 2.54% | 8,689 |
| Q3 2025 | $279.9M | $262.3M | $163.9M | $21.2M | $-47K | -0.02% | 2.91% | 1.19% | 8,852 |
| Q2 2025 | $282.6M | $266.0M | $161.0M | $21.1M | $-167K | -0.12% | 2.76% | 1.50% | 8,890 |
| Q1 2025 | $287.3M | $271.1M | $157.7M | $21.1M | $-187K | -0.26% | 2.62% | 2.38% | 9,124 |
| Q4 2024 | $278.7M | $263.9M | $160.5M | $21.3M | $-1.0M | -0.37% | 2.51% | 2.77% | 9,161 |
| Q3 2024 | $278.8M | $261.0M | $160.7M | $21.6M | $-700K | -0.33% | 2.45% | 2.48% | 9,084 |
| Q2 2024 | $276.4M | $260.7M | $161.9M | $21.9M | $-402K | -0.29% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.90% |
| 9,003 |
Loan mix (Q1 2026): real estate $128.2M · commercial $0 · consumer $24.8M · securities $97.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 78.7% | 95th |
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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