| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.6 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -8.8% | +2.9% | -11.8 pts |
| ROA | 0.86% | 0.69% | +0.2 pts |
| ROE | 5.9% | 5.9% | -0.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $200.8M | $170.6M | $102.7M | $29.4M | $433K | 0.86% | 4.13% | 0.88% | 9,231 |
| Q4 2025 | $199.7M | $169.9M | $100.8M | $28.9M | $1.7M | 0.84% | 4.21% | 0.38% | 9,359 |
| Q3 2025 | $193.3M | $163.8M | $106.8M | $28.7M | $1.4M | 0.99% | 4.39% | 0.48% | 9,359 |
| Q2 2025 | $195.1M | $165.7M | $110.4M | $28.1M | $891K | 0.91% | 4.32% | 0.58% | 9,349 |
| Q1 2025 | $196.2M | $167.7M | $112.7M | $27.8M | $536K | 1.09% | 4.34% | 0.81% | 9,382 |
| Q4 2024 | $193.7M | $165.5M | $115.2M | $27.3M | $1.8M | 0.94% | 4.33% | 0.54% | 9,359 |
| Q3 2024 | $192.5M | $164.7M | $115.9M | $26.8M | $1.4M | 0.94% | 4.31% | 0.56% | 9,361 |
| Q2 2024 | $194.3M | $167.7M | $115.9M | $26.3M | $798K | 0.82% | 4.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 10,130 |
Loan mix (Q1 2026): real estate $42.8M · commercial $29.1M · consumer $27.1M · securities $38.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 71th |
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.