| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | -1.8% | +2.9% | -4.7 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.7M | $140.1M | $64.4M | $11.5M | $179K | 0.47% | 1.60% | 0.10% | 3,511 |
| Q4 2025 | $150.4M | $139.1M | $65.1M | $11.4M | $426K | 0.28% | 1.75% | 0.04% | 3,525 |
| Q3 2025 | $146.3M | $134.7M | $64.4M | $11.5M | $526K | 0.48% | 1.85% | 0.17% | 3,519 |
| Q2 2025 | $144.0M | $133.0M | $64.9M | $11.3M | $287K | 0.40% | 1.94% | 0.19% | 3,518 |
| Q1 2025 | $142.6M | $132.0M | $65.5M | $10.9M | $-44K | -0.12% | 2.01% | 0.13% | 3,536 |
| Q4 2024 | $134.4M | $127.6M | $65.7M | $11.1M | $583K | 0.43% | 2.21% | 0.31% | 3,543 |
| Q3 2024 | $131.4M | $123.7M | $66.0M | $10.9M | $410K | 0.42% | 2.21% | 0.13% | 3,563 |
| Q2 2024 | $126.8M | $120.6M | $67.1M | $10.7M | $187K | 0.29% | 2.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.07% |
| 3,552 |
Loan mix (Q1 2026): real estate $41.5M · commercial $0 · consumer $14.0M · securities $18.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 78.7% | 66th |
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.