| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +3.9% | -3.8 pts |
| Share growth (YoY) | -0.7% | +3.3% | -4.0 pts |
| Loan growth (YoY) | +4.2% | +2.9% | +1.3 pts |
| ROA | 0.17% | 0.69% | -0.5 pts |
| ROE | 1.2% | 5.9% | -4.7 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $216.8M | $189.4M | $114.0M | $29.5M | $90K | 0.17% | 4.02% | 0.43% | 14,763 |
| Q4 2025 | $210.5M | $182.9M | $113.1M | $29.4M | $1.0M | 0.48% | 4.09% | 0.57% | 14,730 |
| Q3 2025 | $210.3M | $183.1M | $110.3M | $29.0M | $616K | 0.39% | 4.05% | 0.37% | 14,748 |
| Q2 2025 | $213.1M | $186.8M | $110.4M | $28.8M | $383K | 0.36% | 3.93% | 0.94% | 14,745 |
| Q1 2025 | $216.5M | $190.6M | $109.4M | $28.6M | $134K | 0.25% | 3.80% | 0.71% | 15,299 |
| Q4 2024 | $207.2M | $182.4M | $110.2M | $28.4M | $766K | 0.37% | 3.98% | 0.88% | 15,231 |
| Q3 2024 | $208.3M | $182.4M | $110.0M | $28.1M | $415K | 0.27% | 3.96% | 0.78% | 15,201 |
| Q2 2024 | $212.8M | $188.0M | $110.5M | $27.8M | $160K | 0.15% | 3.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 15,151 |
Loan mix (Q1 2026): real estate $59.3M · commercial $5.9M · consumer $41.4M · securities $71.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 78.7% | 89th |
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.