| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.9% | -2.6 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.3 pts |
| Loan growth (YoY) | -9.2% | +2.9% | -12.1 pts |
| ROA | 0.43% | 0.69% | -0.3 pts |
| ROE | 3.0% | 5.9% | -3.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $325.8M | $273.5M | $153.4M | $46.5M | $347K | 0.43% | 2.69% | 0.64% | 6,977 |
| Q4 2025 | $322.9M | $271.0M | $154.3M | $46.1M | $801K | 0.25% | 2.74% | 0.47% | 7,051 |
| Q3 2025 | $321.0M | $271.3M | $158.6M | $45.8M | $272K | 0.11% | 2.71% | 1.44% | 7,084 |
| Q2 2025 | $321.3M | $272.8M | $163.0M | $45.6M | $648 | 0.00% | 2.57% | 0.79% | 7,221 |
| Q1 2025 | $321.6M | $273.3M | $168.9M | $45.3M | $-313K | -0.39% | 2.53% | 0.53% | 7,740 |
| Q4 2024 | $321.3M | $273.5M | $173.3M | $45.6M | $369K | 0.11% | 2.54% | 0.56% | 7,828 |
| Q3 2024 | $341.1M | $272.3M | $169.0M | $45.8M | $399K | 0.16% | 2.38% | 0.25% | 8,182 |
| Q2 2024 | $331.0M | $270.0M | $172.8M | $45.7M | $248K | 0.15% | 2.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.69% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 8,155 |
Loan mix (Q1 2026): real estate $137.0M · commercial $0 · consumer $15.1M · securities $119.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 78.7% | 62th |
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.