| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +3.9% | -5.8 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | -0.0% | +2.9% | -2.9 pts |
| ROA | 0.24% | 0.69% | -0.5 pts |
| ROE | 2.5% | 5.9% | -3.4 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $192.4M | $169.2M | $141.9M | $17.9M | $113K | 0.24% | 4.81% | 0.37% | 28,089 |
| Q4 2025 | $189.6M | $166.6M | $142.2M | $17.8M | $-3.1M | -1.64% | 4.90% | 0.78% | 28,132 |
| Q3 2025 | $188.9M | $166.4M | $141.9M | $18.2M | $-3.2M | -2.26% | 4.91% | 0.74% | 28,230 |
| Q2 2025 | $195.0M | $169.4M | $143.6M | $21.6M | $142K | 0.15% | 4.70% | 1.12% | 29,530 |
| Q1 2025 | $196.2M | $169.8M | $141.9M | $21.6M | $103K | 0.21% | 4.59% | 1.06% | 30,752 |
| Q4 2024 | $194.1M | $167.3M | $143.0M | $21.4M | $940K | 0.48% | 4.21% | 0.81% | 30,897 |
| Q3 2024 | $193.2M | $168.0M | $138.9M | $21.6M | $594K | 0.41% | 4.11% | 0.61% | 30,893 |
| Q2 2024 | $194.0M | $166.9M | $137.4M | $21.4M | $409K | 0.42% | 3.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 30,816 |
Loan mix (Q1 2026): real estate $35.6M · commercial $0 · consumer $103.5M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 78.7% | 59th |
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.