| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +2.0% | +3.3% | -1.3 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.1 pts |
| ROA | 0.44% | 0.69% | -0.2 pts |
| ROE | 4.5% | 5.9% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $162.0M | $137.6M | $128.7M | $15.9M | $180K | 0.44% | 4.98% | 0.90% | 15,983 |
| Q4 2025 | $159.5M | $135.4M | $130.5M | $15.7M | $536K | 0.34% | 5.14% | 1.38% | 16,147 |
| Q3 2025 | $160.5M | $136.5M | $128.7M | $16.2M | $938K | 0.78% | 5.03% | 1.60% | 16,329 |
| Q2 2025 | $159.4M | $135.1M | $129.6M | $15.9M | $602K | 0.76% | 5.02% | 1.52% | 16,462 |
| Q1 2025 | $159.3M | $134.9M | $131.6M | $15.6M | $281K | 0.71% | 4.97% | 1.21% | 16,477 |
| Q4 2024 | $154.1M | $130.6M | $133.5M | $15.3M | $1.3M | 0.82% | 4.86% | 1.91% | 16,445 |
| Q3 2024 | $150.6M | $132.9M | $130.5M | $15.0M | $834K | 0.74% | 4.85% | 1.68% | 16,482 |
| Q2 2024 | $150.9M | $133.3M | $126.0M | $14.6M | $503K | 0.67% | 4.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.71% |
| 16,376 |
Loan mix (Q1 2026): real estate $61.2M · commercial $3.4M · consumer $63.8M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 78.7% | 93th |
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.