| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | -0.1% | +3.3% | -3.4 pts |
| Loan growth (YoY) | -3.0% | +2.9% | -5.9 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 9.7% | 5.9% | +3.7 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $122.1M | $110.3M | $93.9M | $10.5M | $254K | 0.83% | 3.63% | 0.65% | 7,817 |
| Q4 2025 | $118.4M | $107.2M | $92.3M | $10.3M | $-168K | -0.14% | 3.66% | 0.97% | 7,908 |
| Q3 2025 | $118.6M | $107.8M | $92.4M | $10.2M | $-199K | -0.22% | 3.64% | 0.56% | 7,962 |
| Q2 2025 | $121.5M | $110.0M | $95.7M | $10.2M | $-199K | -0.33% | 3.51% | 0.44% | 8,059 |
| Q1 2025 | $122.3M | $110.4M | $96.8M | $10.3M | $-73K | -0.24% | 3.43% | 0.59% | 8,314 |
| Q4 2024 | $122.3M | $110.3M | $99.5M | $10.4M | $-512K | -0.42% | 3.34% | 0.66% | 8,358 |
| Q3 2024 | $124.7M | $113.3M | $103.1M | $10.3M | $-590K | -0.63% | 3.23% | 0.65% | 8,412 |
| Q2 2024 | $126.9M | $114.9M | $106.7M | $10.6M | $-296K | -0.47% | 3.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 8,473 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $41.7M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 78.7% | 18th |
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% |
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