| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +2.9% | +3.3% | -0.4 pts |
| Loan growth (YoY) | -8.3% | +2.9% | -11.2 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $133.6M | $119.7M | $54.8M | $12.7M | $104K | 0.31% | 3.46% | 1.44% | 9,553 |
| Q4 2025 | $130.5M | $116.7M | $55.3M | $12.6M | $552K | 0.42% | 3.66% | 1.62% | 9,292 |
| Q3 2025 | $130.6M | $116.9M | $56.4M | $12.6M | $446K | 0.46% | 3.67% | 1.22% | 9,775 |
| Q2 2025 | $131.0M | $117.4M | $57.9M | $12.4M | $318K | 0.49% | 3.65% | 1.23% | 9,380 |
| Q1 2025 | $129.7M | $116.4M | $59.8M | $12.2M | $112K | 0.35% | 3.67% | 1.78% | 9,431 |
| Q4 2024 | $128.1M | $114.6M | $61.3M | $12.1M | $886K | 0.69% | 3.75% | 1.59% | 9,513 |
| Q3 2024 | $124.8M | $111.7M | $61.6M | $12.0M | $728K | 0.78% | 3.83% | 1.55% | 9,546 |
| Q2 2024 | $123.7M | $110.5M | $61.8M | $11.7M | $432K | 0.70% | 3.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.33% |
| 9,567 |
Loan mix (Q1 2026): real estate $4.5M · commercial $0 · consumer $47.1M · securities $61.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 78.7% | 78th |
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.