| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.1% | +1.3% | -8.4 pts |
| Share growth (YoY) | -0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -14.3% | -2.4% | -11.9 pts |
| ROA | -4.12% | 0.60% | -4.7 pts |
| ROE | -72.6% | 4.1% | -76.7 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $533K | $503K | $417K | $30K | $-5K | -4.12% | 3.52% | 2.76% | 290 |
| Q4 2025 | $584K | $548K | $427K | $36K | $-35K | -5.98% | -3.66% | 1.27% | 312 |
| Q3 2025 | $582K | $504K | $469K | $78K | $7K | 1.59% | 4.17% | 3.03% | 313 |
| Q2 2025 | $574K | $500K | $455K | $74K | $4K | 1.26% | 4.50% | 0.00% | 313 |
| Q1 2025 | $574K | $503K | $486K | $71K | $173 | 0.12% | 4.01% | 0.00% | 314 |
| Q4 2024 | $613K | $542K | $552K | $71K | $2K | 0.38% | 2.43% | 0.00% | 315 |
| Q3 2024 | $628K | $550K | $583K | $77K | $9K | 1.95% | 4.24% | 0.00% | 316 |
| Q2 2024 | $625K | $553K | $568K | $72K | $4K | 1.36% | 4.20% | 0.00% | 313 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $219K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.12% | 0.60% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -72.6% | 4.1% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 217.0% | 81.5% | 99th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Franklin, VT, ranked 12th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Franklin, VT | 1 | $500K* | 0.04% | 12th |
Vermont: 40th with 0.00% · Burlington-South Burlington metro: 23rd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1