| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +3.9 pts |
| ROA | 0.01% | 0.69% | -0.7 pts |
| ROE | 0.1% | 5.9% | -5.8 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $288.3M | $251.1M | $218.2M | $32.7M | $9K | 0.01% | 4.72% | 1.04% | 26,121 |
| Q4 2025 | $283.8M | $245.6M | $213.0M | $32.6M | $2.6M | 0.90% | 4.71% | 1.16% | 26,121 |
| Q3 2025 | $278.9M | $241.2M | $212.0M | $32.3M | $2.3M | 1.09% | 4.69% | 1.26% | 25,961 |
| Q2 2025 | $275.0M | $239.3M | $206.9M | $31.4M | $1.3M | 0.97% | 4.62% | 1.45% | 25,902 |
| Q1 2025 | $276.3M | $242.0M | $204.1M | $30.4M | $334K | 0.48% | 4.57% | 1.31% | 28,426 |
| Q4 2024 | $270.0M | $235.4M | $203.3M | $30.1M | $13K | 0.00% | 4.63% | 1.71% | 29,023 |
| Q3 2024 | $270.3M | $236.4M | $199.4M | $29.6M | $-422K | -0.21% | 4.50% | 1.44% | 28,622 |
| Q2 2024 | $274.0M | $239.3M | $194.1M | $29.9M | $-137K | -0.10% | 4.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.65% |
| 28,845 |
Loan mix (Q1 2026): real estate $37.8M · commercial $1.2M · consumer $162.6M · securities $19.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 78.7% | 60th |
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.