| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | -1.2% | +3.3% | -4.5 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.1 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 3.0% | 5.9% | -2.9 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.7M | $131.9M | $68.5M | $11.7M | $89K | 0.25% | 3.14% | 0.68% | 11,651 |
| Q4 2025 | $140.2M | $128.2M | $69.0M | $11.6M | $379K | 0.27% | 3.19% | 0.82% | 11,698 |
| Q3 2025 | $139.6M | $128.0M | $65.3M | $11.7M | $448K | 0.43% | 3.18% | 0.73% | 11,756 |
| Q2 2025 | $145.7M | $133.8M | $66.1M | $11.5M | $275K | 0.38% | 3.01% | 0.74% | 11,787 |
| Q1 2025 | $144.3M | $133.5M | $66.5M | $11.5M | $139K | 0.39% | 2.95% | 0.53% | 11,881 |
| Q4 2024 | $135.4M | $125.3M | $68.0M | $11.3M | $424K | 0.31% | 3.05% | 0.52% | 11,914 |
Loan mix (Q1 2026): real estate $9.7M · commercial $0 · consumer $51.8M · securities $51.5M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.62% | 22th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 78.7% | 76th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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.