| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.9 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.45% | 0.69% | -0.2 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $210.1M | $192.3M | $109.9M | $18.8M | $238K | 0.45% | 3.77% | 0.83% | 16,466 |
| Q4 2025 | $205.8M | $187.1M | $109.7M | $18.6M | $1.1M | 0.51% | 3.83% | 1.24% | 16,598 |
| Q3 2025 | $202.8M | $185.0M | $105.0M | $18.4M | $855K | 0.56% | 3.84% | 0.42% | 16,780 |
| Q2 2025 | $204.7M | $187.6M | $107.3M | $18.1M | $551K | 0.54% | 3.74% | 0.88% | 16,935 |
| Q1 2025 | $205.8M | $189.7M | $109.0M | $17.9M | $314K | 0.61% | 3.53% | 0.12% | 17,019 |
| Q4 2024 | $199.0M | $185.0M | $115.1M | $17.6M | $998K | 0.50% | 3.52% | 0.29% | 17,185 |
| Q3 2024 | $200.1M | $185.4M | $126.4M | $17.2M | $620K | 0.41% | 3.42% | 0.40% | 17,455 |
| Q2 2024 | $202.9M | $189.7M | $132.6M | $16.6M | $38K | 0.04% | 3.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 17,605 |
Loan mix (Q1 2026): real estate $25.3M · commercial $17.0M · consumer $64.9M · securities $28.9M
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% |
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