| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +3.9% | -4.1 pts |
| Share growth (YoY) | -1.0% | +3.3% | -4.3 pts |
| Loan growth (YoY) | +13.7% | +2.9% | +10.7 pts |
| ROA | 0.20% | 0.69% | -0.5 pts |
| ROE | 1.6% | 5.9% | -4.4 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $184.3M | $161.8M | $126.1M | $24.2M | $94K | 0.20% | 4.03% | 0.98% | 26,768 |
| Q4 2025 | $183.3M | $160.7M | $126.7M | $24.1M | $1.1M | 0.58% | 4.07% | 1.07% | 26,079 |
| Q3 2025 | $182.3M | $160.2M | $127.4M | $24.1M | $986K | 0.72% | 4.13% | 0.83% | 25,840 |
| Q2 2025 | $183.9M | $161.3M | $120.8M | $23.7M | $611K | 0.66% | 3.99% | 0.70% | 25,633 |
| Q1 2025 | $184.6M | $163.5M | $110.9M | $23.3M | $213K | 0.46% | 3.87% | 0.86% | 25,421 |
| Q4 2024 | $179.0M | $158.7M | $109.2M | $23.1M | $1.5M | 0.82% | 3.81% | 0.85% | 25,270 |
| Q3 2024 | $178.9M | $158.5M | $108.1M | $22.7M | $1.0M | 0.78% | 3.78% | 0.72% | 25,040 |
| Q2 2024 | $181.2M | $161.6M | $107.4M | $22.4M | $761K | 0.84% | 3.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 24,874 |
Loan mix (Q1 2026): real estate $49.1M · commercial $7.1M · consumer $66.4M · securities $30.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 78.7% | 70th |
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.