| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.7 pts |
| Share growth (YoY) | +8.5% | +3.3% | +5.2 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $245.5M | $217.9M | $135.7M | $27.2M | $243K | 0.40% | 2.96% | 0.06% | 15,071 |
| Q4 2025 | $238.8M | $211.0M | $135.3M | $27.0M | $1.6M | 0.68% | 3.10% | 0.16% | 15,237 |
| Q3 2025 | $232.8M | $205.8M | $131.9M | $26.5M | $1.2M | 0.67% | 3.15% | 0.11% | 15,354 |
| Q2 2025 | $234.0M | $207.8M | $129.5M | $25.9M | $588K | 0.50% | 3.06% | 0.15% | 15,457 |
| Q1 2025 | $225.9M | $200.8M | $130.6M | $25.5M | $180K | 0.32% | 3.13% | 0.09% | 15,610 |
| Q4 2024 | $219.8M | $194.3M | $130.5M | $25.3M | $-341K | -0.15% | 3.09% | 0.16% | 15,721 |
| Q3 2024 | $217.3M | $192.7M | $134.1M | $25.0M | $-690K | -0.42% | 3.10% | 0.16% | 15,910 |
| Q2 2024 | $224.8M | $199.1M | $135.2M | $24.7M | $-1.0M | -0.90% | 2.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 16,053 |
Loan mix (Q1 2026): real estate $67.5M · commercial $599K · consumer $59.9M · securities $43.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 78.7% | 73th |
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.