| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.9% | -4.2 pts |
| Share growth (YoY) | -1.1% | +3.3% | -4.4 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.2 pts |
| ROA | 0.36% | 0.69% | -0.3 pts |
| ROE | 2.3% | 5.9% | -3.6 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $173.3M | $145.1M | $125.1M | $26.6M | $154K | 0.36% | 1.53% | 0.05% | 6,531 |
| Q4 2025 | $178.5M | $145.9M | $126.6M | $26.4M | $966K | 0.54% | 1.31% | 0.03% | 6,548 |
| Q3 2025 | $177.1M | $146.3M | $125.2M | $26.1M | $645K | 0.49% | 1.26% | 0.04% | 6,556 |
| Q2 2025 | $175.3M | $146.5M | $124.7M | $25.7M | $224K | 0.26% | 1.19% | 0.04% | 6,536 |
| Q1 2025 | $173.8M | $146.7M | $121.7M | $25.5M | $12K | 0.03% | 1.09% | 0.02% | 6,534 |
| Q4 2024 | $173.2M | $141.8M | $119.8M | $25.4M | $444K | 0.26% | 1.04% | 0.07% | 6,549 |
| Q3 2024 | $171.5M | $141.9M | $118.0M | $25.2M | $230K | 0.18% | 0.97% | 0.03% | 6,554 |
| Q2 2024 | $170.4M | $142.4M | $120.0M | $25.0M | $39K | 0.05% | 0.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.53% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.05% |
| 6,512 |
Loan mix (Q1 2026): real estate $44.6M · commercial $30.3M · consumer $41.1M · securities $37.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 78.7% | 41th |
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.