| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +1.0% | +2.9% | -1.9 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $169.2M | $150.9M | $45.5M | $17.2M | $140K | 0.33% | 3.00% | 1.51% | 8,137 |
| Q4 2025 | $165.7M | $147.7M | $45.4M | $17.0M | $538K | 0.32% | 2.93% | 1.68% | 8,173 |
| Q3 2025 | $164.8M | $146.7M | $45.5M | $16.9M | $450K | 0.36% | 2.92% | 2.05% | 8,233 |
| Q2 2025 | $165.3M | $147.4M | $44.8M | $16.9M | $363K | 0.44% | 2.91% | 2.23% | 8,277 |
| Q1 2025 | $164.9M | $147.3M | $45.0M | $16.7M | $246K | 0.60% | 2.97% | 0.98% | 8,302 |
| Q4 2024 | $165.7M | $148.1M | $45.1M | $16.5M | $29K | 0.02% | 2.43% | 2.53% | 8,299 |
| Q3 2024 | $164.8M | $147.6M | $46.3M | $16.4M | $-17K | -0.01% | 2.39% | 2.32% | 8,327 |
| Q2 2024 | $166.6M | $149.3M | $46.2M | $16.4M | $-55K | -0.07% | 2.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.95% |
| 8,316 |
Loan mix (Q1 2026): real estate $23.8M · commercial $348K · consumer $13.3M · securities $99.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 78.7% | 73th |
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.