| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.0 pts |
| Share growth (YoY) | -1.9% | +3.3% | -5.3 pts |
| Loan growth (YoY) | -8.1% | +2.9% | -11.1 pts |
| ROA | 1.43% | 0.69% | +0.7 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.0M | $99.1M | $55.8M | $17.5M | $418K | 1.43% | 3.72% | 0.70% | 8,285 |
| Q4 2025 | $114.1M | $96.5M | $56.2M | $17.1M | $1.9M | 1.69% | 3.80% | 0.59% | 8,358 |
| Q3 2025 | $114.0M | $96.4M | $58.1M | $16.6M | $1.5M | 1.74% | 3.79% | 0.64% | 8,359 |
| Q2 2025 | $116.6M | $98.8M | $58.7M | $16.2M | $1.1M | 1.85% | 3.65% | 0.67% | 8,374 |
| Q1 2025 | $118.2M | $101.0M | $60.8M | $15.5M | $360K | 1.22% | 3.45% | 0.71% | 8,397 |
| Q4 2024 | $88.8M | $78.0M | $52.4M | $10.1M | $1.2M | 1.34% | 3.46% | 0.66% | 6,239 |
| Q3 2024 | $88.8M | $78.0M | $52.1M | $9.7M | $829K | 1.24% | 3.40% | 0.47% | 6,237 |
| Q2 2024 | $85.8M | $75.9M | $53.6M | $9.4M | $522K | 1.22% | 3.46% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,250 |
Loan mix (Q1 2026): real estate $32.2M · commercial $0 · consumer $21.3M · securities $48.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 78.7% | 21th |
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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