| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | -0.6% | +3.3% | -3.8 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.2 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $124.4M | $108.7M | $73.3M | $14.8M | $197K | 0.63% | 3.38% | 0.57% | 9,205 |
| Q4 2025 | $119.8M | $104.2M | $73.2M | $14.6M | $924K | 0.77% | 3.58% | 0.48% | 9,324 |
| Q3 2025 | $117.8M | $102.3M | $74.2M | $14.4M | $707K | 0.80% | 3.60% | 0.45% | 9,372 |
| Q2 2025 | $123.5M | $107.6M | $74.0M | $14.1M | $430K | 0.70% | 3.37% | 0.45% | 9,369 |
| Q1 2025 | $124.2M | $109.3M | $74.3M | $13.9M | $147K | 0.47% | 3.20% | 0.53% | 9,628 |
| Q4 2024 | $118.9M | $104.3M | $75.6M | $13.7M | $851K | 0.72% | 3.24% | 0.59% | 9,655 |
| Q3 2024 | $119.6M | $105.1M | $76.0M | $13.5M | $599K | 0.67% | 3.24% | 0.71% | 9,699 |
| Q2 2024 | $120.6M | $106.2M | $76.1M | $13.3M | $397K | 0.66% | 3.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.51% |
| 9,736 |
Loan mix (Q1 2026): real estate $24.0M · commercial $165K · consumer $43.9M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 78.7% | 72th |
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.