| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.1 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.2 pts |
| Loan growth (YoY) | +2.3% | +2.9% | -0.6 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $474.1M | $438.3M | $379.4M | $36.7M | $85K | 0.07% | 4.41% | 0.77% | 35,238 |
| Q4 2025 | $463.7M | $425.4M | $380.4M | $36.6M | $36K | 0.01% | 4.54% | 0.65% | 37,059 |
| Q3 2025 | $468.2M | $421.0M | $385.7M | $36.7M | $118K | 0.03% | 4.44% | 0.95% | 38,404 |
| Q2 2025 | $464.3M | $419.6M | $382.8M | $36.4M | $-162K | -0.07% | 4.40% | 0.69% | 38,497 |
| Q1 2025 | $465.5M | $423.3M | $370.8M | $36.4M | $-272K | -0.23% | 4.31% | 0.46% | 38,469 |
| Q4 2024 | $457.3M | $414.8M | $371.1M | $36.6M | $718K | 0.16% | 4.39% | 0.56% | 38,654 |
| Q3 2024 | $459.3M | $416.6M | $377.5M | $36.8M | $901K | 0.26% | 4.35% | 0.48% | 39,119 |
| Q2 2024 | $466.3M | $424.3M | $384.3M | $36.7M | $760K | 0.33% | 4.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 39,478 |
Loan mix (Q1 2026): real estate $82.7M · commercial $74.4M · consumer $200.4M · securities $17.7M
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.