| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | -1.8% | +2.9% | -4.7 pts |
| ROA | 0.17% | 0.69% | -0.5 pts |
| ROE | 1.4% | 5.9% | -4.5 pts |
ROA ranks in the 15th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $238.0M | $206.6M | $144.9M | $28.8M | $102K | 0.17% | 3.32% | 0.64% | 12,874 |
| Q4 2025 | $232.2M | $200.2M | $144.7M | $28.7M | $324K | 0.14% | 3.34% | 0.80% | 12,991 |
| Q3 2025 | $233.7M | $202.3M | $145.5M | $28.7M | $317K | 0.18% | 3.30% | 0.57% | 13,120 |
| Q2 2025 | $235.3M | $204.9M | $148.1M | $28.5M | $162K | 0.14% | 3.25% | 0.74% | 13,253 |
| Q1 2025 | $234.4M | $204.2M | $147.5M | $28.4M | $74K | 0.13% | 3.22% | 0.64% | 13,286 |
| Q4 2024 | $228.3M | $198.5M | $149.7M | $28.4M | $407K | 0.18% | 3.15% | 0.65% | 13,311 |
| Q3 2024 | $228.2M | $197.7M | $152.6M | $28.3M | $317K | 0.19% | 3.12% | 0.65% | 13,317 |
| Q2 2024 | $231.0M | $201.1M | $152.6M | $28.2M | $196K | 0.17% | 3.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.69% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 13,957 |
Loan mix (Q1 2026): real estate $77.1M · commercial $0 · consumer $59.5M · securities $50.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 78.7% | 94th |
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.