| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | -1.1% | +3.3% | -4.3 pts |
| Loan growth (YoY) | -0.4% | +2.9% | -3.3 pts |
| ROA | 0.52% | 0.69% | -0.2 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $110.3M | $101.2M | $61.9M | $9.3M | $142K | 0.52% | 4.25% | 0.12% | 6,989 |
| Q4 2025 | $107.9M | $99.7M | $63.3M | $9.1M | $346K | 0.32% | 4.11% | 0.14% | 7,004 |
| Q3 2025 | $109.1M | $99.9M | $63.3M | $9.2M | $349K | 0.43% | 4.01% | 0.27% | 7,051 |
| Q2 2025 | $109.6M | $100.2M | $62.1M | $9.1M | $231K | 0.42% | 3.92% | 0.28% | 7,120 |
| Q1 2025 | $110.1M | $102.3M | $62.1M | $9.0M | $115K | 0.42% | 3.83% | 0.26% | 7,140 |
| Q4 2024 | $106.6M | $97.7M | $62.8M | $8.8M | $444K | 0.42% | 3.60% | 0.14% | 7,682 |
| Q3 2024 | $108.0M | $99.3M | $63.6M | $8.6M | $172K | 0.21% | 3.43% | 0.16% | 7,767 |
| Q2 2024 | $107.7M | $99.2M | $60.5M | $8.4M | $-49K | -0.09% | 3.22% | 0.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,849 |
Loan mix (Q1 2026): real estate $33.6M · commercial $0 · consumer $27.7M · securities $33.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 78.7% | 87th |
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.