| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +1.3% | +4.6 pts |
| Share growth (YoY) | +6.8% | +0.7% | +6.1 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.8 pts |
| ROA | -0.67% | 0.60% | -1.3 pts |
| ROE | -6.7% | 4.1% | -10.8 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 | $7.0M | $6.3M | $5.2M | $697K | $-12K | -0.67% | 4.93% | 0.74% | 1,281 |
| Q4 2025 | $6.7M | $5.9M | $5.1M | $709K | $20K | 0.30% | 5.63% | 0.39% | 1,284 |
| Q3 2025 | $6.6M | $5.8M | $5.1M | $700K | $11K | 0.23% | 5.85% | 1.61% | 1,286 |
| Q2 2025 | $6.7M | $6.0M | $5.4M | $692K | $3K | 0.08% | 5.70% | 1.51% | 1,288 |
| Q1 2025 | $6.6M | $5.9M | $5.6M | $684K | $-5K | -0.30% | 5.88% | 2.63% | 1,294 |
| Q4 2024 | $7.0M | $6.2M | $5.8M | $689K | $-49K | -0.70% | 5.17% | 1.30% | 1,301 |
| Q3 2024 | $7.3M | $6.6M | $6.0M | $683K | $-55K | -1.00% | 4.90% | 0.74% | 1,302 |
| Q2 2024 | $7.4M | $6.6M | $6.1M | $730K | $-8K | -0.22% | 4.78% | 0.97% | 1,307 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.67% | 0.60% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -6.7% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.3M · securities $259K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.1% | 81.5% | 94th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Orleans, VT, ranked 5th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Orleans, VT | 2 | $6.0M* | 0.68% | 5th |
Vermont: 38th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2