| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +3.9% | -7.1 pts |
| Share growth (YoY) | -4.6% | +3.3% | -7.9 pts |
| Loan growth (YoY) | +4.6% | +2.9% | +1.7 pts |
| ROA | 0.45% | 0.69% | -0.2 pts |
| ROE | 3.4% | 5.9% | -2.6 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 | $187.2M | $164.3M | $137.7M | $24.8M | $209K | 0.45% | 4.60% | 0.41% | 22,856 |
| Q4 2025 | $182.2M | $159.5M | $135.0M | $24.5M | $295K | 0.16% | 4.40% | 0.58% | 24,188 |
| Q3 2025 | $185.1M | $162.6M | $133.6M | $24.2M | $2K | 0.00% | 4.03% | 0.70% | 24,052 |
| Q2 2025 | $186.4M | $164.6M | $133.3M | $24.3M | $19K | 0.02% | 3.86% | 0.44% | 23,976 |
| Q1 2025 | $193.3M | $172.1M | $131.6M | $24.3M | $22K | 0.04% | 3.56% | 0.21% | 23,871 |
| Q4 2024 | $193.8M | $173.7M | $130.9M | $24.2M | $-546K | -0.28% | 3.39% | 0.35% | 23,798 |
| Q3 2024 | $197.3M | $175.7M | $132.1M | $24.3M | $-470K | -0.32% | 3.42% | 0.29% | 23,751 |
| Q2 2024 | $199.1M | $178.4M | $135.6M | $24.7M | $-60K | -0.06% | 3.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 23,721 |
Loan mix (Q1 2026): real estate $33.0M · commercial $2.2M · consumer $98.5M · securities $35.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 78.7% | 33th |
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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