| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +3.9% | +4.6 pts |
| Share growth (YoY) | +8.9% | +3.3% | +5.6 pts |
| Loan growth (YoY) | +15.8% | +2.9% | +12.8 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.5% | 5.9% | -4.4 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $183.4M | $171.7M | $131.0M | $15.0M | $57K | 0.12% | 3.64% | 0.21% | 6,068 |
| Q4 2025 | $181.7M | $170.0M | $124.3M | $15.0M | $-420K | -0.23% | 3.45% | 0.37% | 4,931 |
| Q3 2025 | $170.3M | $158.4M | $118.1M | $15.4M | $-14K | -0.01% | 3.57% | 0.39% | 4,913 |
| Q2 2025 | $173.6M | $161.3M | $113.0M | $15.4M | $-72K | -0.08% | 3.39% | 0.78% | 4,892 |
| Q1 2025 | $169.0M | $157.6M | $113.2M | $15.4M | $-27K | -0.06% | 3.43% | 0.53% | 4,958 |
| Q4 2024 | $166.7M | $150.6M | $113.7M | $15.4M | $-92K | -0.06% | 3.28% | 0.44% | 5,012 |
| Q3 2024 | $179.9M | $157.2M | $115.8M | $15.9M | $355K | 0.26% | 3.09% | 0.37% | 4,994 |
| Q2 2024 | $178.1M | $157.3M | $116.6M | $15.7M | $164K | 0.18% | 3.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 4,972 |
Loan mix (Q1 2026): real estate $52.9M · commercial $10.9M · consumer $41.9M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 78.7% | 90th |
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.