| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -2.2% | +0.7% | -2.9 pts |
| Loan growth (YoY) | -0.0% | -2.4% | +2.3 pts |
| ROA | 1.48% | 0.60% | +0.9 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $91.4M | $76.8M | $78.9M | $14.6M | $337K | 1.48% | 3.46% | 1.09% | 3,559 |
| Q4 2025 | $90.2M | $75.8M | $79.1M | $14.2M | $1.5M | 1.71% | 3.31% | 1.08% | 3,561 |
| Q3 2025 | $91.9M | $77.9M | $78.8M | $13.8M | $1.1M | 1.63% | 3.20% | 0.53% | 3,544 |
| Q2 2025 | $91.0M | $77.3M | $80.4M | $13.5M | $777K | 1.71% | 3.16% | 0.15% | 3,517 |
| Q1 2025 | $91.7M | $78.6M | $78.9M | $13.2M | $476K | 2.08% | 3.00% | 0.13% | 3,550 |
| Q4 2024 | $89.6M | $76.9M | $78.7M | $12.7M | $878K | 0.98% | 2.88% | 0.08% | 3,516 |
| Q3 2024 | $95.5M | $83.0M | $77.1M | $12.5M | $664K | 0.93% | 2.66% | 0.06% | 3,489 |
| Q2 2024 | $94.5M | $82.3M | $75.9M | $12.2M | $397K | 0.84% | 2.57% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,434 |
Loan mix (Q1 2026): real estate $69.7M · commercial $672K · consumer $7.8M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 81.5% | 15th |
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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