| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.1 pts |
| Loan growth (YoY) | +12.6% | +2.9% | +9.7 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 4.6% | 5.9% | -1.3 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 | $249.1M | $223.7M | $180.8M | $25.5M | $294K | 0.47% | 3.25% | 1.42% | 18,650 |
| Q4 2025 | $244.9M | $219.2M | $178.5M | $25.2M | $1.4M | 0.58% | 3.30% | 1.48% | 18,803 |
| Q3 2025 | $246.9M | $221.8M | $180.4M | $24.9M | $1.0M | 0.56% | 3.24% | 1.56% | 18,945 |
| Q2 2025 | $246.2M | $221.7M | $170.9M | $24.5M | $650K | 0.53% | 3.17% | 1.84% | 19,102 |
| Q1 2025 | $240.0M | $216.8M | $160.6M | $24.1M | $292K | 0.49% | 3.17% | 2.03% | 19,289 |
| Q4 2024 | $234.9M | $212.5M | $156.5M | $23.8M | $1.4M | 0.61% | 3.18% | 2.57% | 19,586 |
| Q3 2024 | $238.7M | $215.9M | $152.2M | $23.5M | $1.1M | 0.61% | 3.13% | 2.26% | 19,639 |
| Q2 2024 | $239.6M | $217.3M | $151.8M | $23.1M | $656K | 0.55% | 3.05% |
| 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 | 4.6% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.74% |
| 19,765 |
Loan mix (Q1 2026): real estate $115.9M · commercial $20.4M · consumer $33.7M · securities $28.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 78.7% | 59th |
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.