| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 0.69% | 0.69% | +0.0 pts |
| ROE | 6.6% | 5.9% | +0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $277.6M | $254.5M | $120.5M | $29.2M | $481K | 0.69% | 2.88% | 0.19% | 21,622 |
| Q4 2025 | $273.6M | $251.1M | $125.7M | $28.7M | $1.4M | 0.49% | 2.83% | 0.46% | 21,915 |
| Q3 2025 | $268.3M | $247.2M | $127.7M | $28.2M | $848K | 0.42% | 2.83% | 0.15% | 22,026 |
| Q2 2025 | $269.6M | $250.1M | $127.2M | $27.9M | $479K | 0.35% | 2.75% | 0.47% | 22,178 |
| Q1 2025 | $271.7M | $252.7M | $122.8M | $27.5M | $157K | 0.23% | 2.65% | 0.16% | 22,300 |
| Q4 2024 | $261.3M | $244.4M | $122.5M | $27.4M | $652K | 0.25% | 2.89% | 0.47% | 22,309 |
| Q3 2024 | $259.6M | $241.7M | $126.0M | $27.2M | $515K | 0.26% | 2.95% | 0.46% | 22,518 |
| Q2 2024 | $263.2M | $247.8M | $129.2M | $27.1M | $341K | 0.26% | 2.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 22,789 |
Loan mix (Q1 2026): real estate $52.1M · commercial $16.7M · consumer $50.5M · securities $90.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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.