| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | +5.7% | +2.9% | +2.8 pts |
| ROA | 0.62% | 0.69% | -0.1 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $261.6M | $228.6M | $195.6M | $32.2M | $403K | 0.62% | 3.29% | 0.17% | 15,143 |
| Q4 2025 | $258.6M | $226.4M | $196.5M | $32.0M | $1.9M | 0.72% | 3.05% | 0.02% | 14,969 |
| Q3 2025 | $258.7M | $226.9M | $186.8M | $31.8M | $1.6M | 0.84% | 2.98% | 0.11% | 14,969 |
| Q2 2025 | $257.2M | $226.4M | $184.7M | $31.1M | $926K | 0.72% | 2.94% | 0.07% | 14,864 |
| Q1 2025 | $257.2M | $226.9M | $185.1M | $30.6M | $444K | 0.69% | 2.75% | 0.04% | 14,850 |
| Q4 2024 | $253.7M | $224.3M | $185.6M | $30.5M | $1.1M | 0.42% | 2.58% | 0.01% | 14,803 |
| Q3 2024 | $254.2M | $219.7M | $191.4M | $30.3M | $837K | 0.44% | 2.55% | 0.09% | 14,810 |
| Q2 2024 | $254.2M | $215.9M | $198.1M | $30.2M | $751K | 0.59% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 14,777 |
Loan mix (Q1 2026): real estate $67.8M · commercial $580K · consumer $110.9M · securities $33.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.7% | 56th |
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% |
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