| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | -0.3% | +2.9% | -3.3 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $182.2M | $160.0M | $122.6M | $20.3M | $270K | 0.59% | 3.93% | 0.64% | 15,198 |
| Q4 2025 | $176.8M | $155.1M | $123.7M | $20.1M | $1.3M | 0.75% | 4.08% | 0.69% | 15,290 |
| Q3 2025 | $177.2M | $156.0M | $124.0M | $19.7M | $1.0M | 0.76% | 4.04% | 0.68% | 15,722 |
| Q2 2025 | $176.4M | $155.4M | $122.6M | $19.4M | $685K | 0.78% | 3.99% | 0.64% | 15,782 |
| Q1 2025 | $175.5M | $155.2M | $123.0M | $19.0M | $289K | 0.66% | 3.93% | 0.25% | 15,903 |
| Q4 2024 | $169.8M | $150.3M | $124.6M | $18.5M | $1.4M | 0.81% | 4.03% | 0.75% | 15,534 |
| Q3 2024 | $169.1M | $149.2M | $124.9M | $18.2M | $1.1M | 0.84% | 4.01% | 0.57% | 15,618 |
| Q2 2024 | $167.0M | $147.7M | $126.1M | $17.8M | $702K | 0.84% | 4.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 16,127 |
Loan mix (Q1 2026): real estate $65.6M · commercial $22.1M · consumer $32.7M · securities $19.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.7% | 56th |
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.