| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +0.1% | +3.3% | -3.2 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.5 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $160.0M | $148.0M | $70.5M | $16.3M | $245K | 0.61% | 3.28% | 0.06% | 8,075 |
| Q4 2025 | $161.0M | $149.0M | $68.2M | $16.1M | $1.6M | 0.98% | 3.20% | 0.10% | 8,034 |
| Q3 2025 | $157.0M | $145.6M | $65.5M | $15.9M | $1.4M | 1.15% | 3.26% | 0.37% | 8,032 |
| Q2 2025 | $155.9M | $145.6M | $65.0M | $15.6M | $1.1M | 1.39% | 3.23% | 0.21% | 7,991 |
| Q1 2025 | $156.8M | $147.8M | $65.6M | $15.1M | $529K | 1.35% | 3.18% | 0.14% | 7,857 |
| Q4 2024 | $152.7M | $145.3M | $64.7M | $14.6M | $1.0M | 0.66% | 2.65% | 0.35% | 7,810 |
| Q3 2024 | $153.8M | $145.3M | $61.3M | $14.2M | $604K | 0.52% | 2.46% | 0.25% | 7,777 |
| Q2 2024 | $157.0M | $147.1M | $58.2M | $13.9M | $352K | 0.45% | 2.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 7,744 |
Loan mix (Q1 2026): real estate $48.2M · commercial $0 · consumer $21.8M · securities $61.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 78.7% | 67th |
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.