| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 0.48% | 0.69% | -0.2 pts |
| ROE | 3.2% | 5.9% | -2.7 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $442.9M | $373.8M | $203.6M | $66.8M | $537K | 0.48% | 3.68% | 2.53% | 50,924 |
| Q4 2025 | $431.8M | $362.9M | $205.6M | $66.3M | $1.8M | 0.41% | 3.97% | 4.02% | 51,093 |
| Q3 2025 | $427.4M | $361.8M | $206.1M | $65.7M | $1.2M | 0.37% | 4.02% | 2.57% | 51,594 |
| Q2 2025 | $433.6M | $371.2M | $205.8M | $65.5M | $930K | 0.43% | 3.91% | 1.64% | 52,010 |
| Q1 2025 | $431.5M | $367.4M | $209.0M | $64.6M | $51K | 0.05% | 3.65% | 1.85% | 52,478 |
| Q4 2024 | $409.5M | $346.6M | $210.1M | $64.5M | $2.3M | 0.57% | 3.91% | 2.21% | 52,914 |
| Q3 2024 | $418.8M | $355.7M | $214.4M | $63.9M | $1.8M | 0.56% | 3.80% | 2.36% | 54,767 |
| Q2 2024 | $418.3M | $356.8M | $216.7M | $63.8M | $1.6M | 0.78% | 3.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.16% |
| 54,225 |
Loan mix (Q1 2026): real estate $36.5M · commercial $76.4M · consumer $87.9M · securities $69.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.7% | 65th |
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.