| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.1 pts |
| Share growth (YoY) | -1.3% | +3.3% | -4.6 pts |
| Loan growth (YoY) | -4.7% | +2.9% | -7.6 pts |
| ROA | 1.52% | 0.69% | +0.8 pts |
| ROE | 10.9% | 5.9% | +4.9 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $131.9M | $112.0M | $55.2M | $18.5M | $502K | 1.52% | 3.28% | 0.73% | 8,418 |
| Q4 2025 | $132.1M | $112.9M | $55.5M | $18.0M | $1.2M | 0.92% | 2.81% | 0.78% | 8,533 |
| Q3 2025 | $131.0M | $112.2M | $55.3M | $17.7M | $918K | 0.93% | 2.73% | 0.75% | 8,588 |
| Q2 2025 | $131.3M | $112.7M | $58.0M | $17.3M | $564K | 0.86% | 2.59% | 0.28% | 8,573 |
| Q1 2025 | $132.1M | $113.5M | $57.9M | $17.0M | $232K | 0.70% | 2.43% | 0.15% | 8,607 |
| Q4 2024 | $129.5M | $111.2M | $57.2M | $16.8M | $604K | 0.47% | 2.23% | 0.18% | 8,578 |
| Q3 2024 | $130.2M | $112.2M | $58.4M | $16.6M | $420K | 0.43% | 2.16% | 0.19% | 8,559 |
| Q2 2024 | $131.0M | $112.8M | $56.6M | $16.4M | $244K | 0.37% | 2.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 8,500 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $49.7M · securities $66.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.8% | 78.7% | 6th |
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.