| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +3.9% | -7.0 pts |
| Share growth (YoY) | -3.7% | +3.3% | -7.0 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.6 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 8.8% | 5.9% | +2.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $158.0M | $132.2M | $107.9M | $16.1M | $352K | 0.89% | 4.27% | 1.10% | 13,708 |
| Q4 2025 | $157.3M | $131.9M | $107.9M | $15.7M | $-657K | -0.42% | 3.26% | 1.24% | 14,135 |
| Q3 2025 | $157.0M | $131.4M | $108.6M | $15.8M | $-511K | -0.43% | 3.27% | 1.23% | 14,351 |
| Q2 2025 | $160.6M | $134.9M | $109.0M | $15.8M | $-577K | -0.72% | 3.07% | 1.26% | 14,925 |
| Q1 2025 | $163.0M | $137.3M | $108.6M | $16.1M | $-211K | -0.52% | 2.96% | 1.32% | 15,306 |
| Q4 2024 | $164.7M | $136.1M | $111.3M | $16.4M | $-234K | -0.14% | 2.98% | 1.66% | 15,371 |
| Q3 2024 | $166.9M | $138.0M | $111.2M | $16.4M | $-163K | -0.13% | 2.90% | 1.50% | 15,347 |
| Q2 2024 | $169.5M | $140.6M | $114.4M | $16.4M | $-194K | -0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.84% |
| 1.52% |
| 15,340 |
Loan mix (Q1 2026): real estate $63.2M · commercial $9.3M · consumer $24.4M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 78.7% | 62th |
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.