| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +3.9% | -4.5 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | +3.2% | +2.9% | +0.3 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $149.1M | $136.7M | $55.2M | $11.6M | $268K | 0.72% | 2.84% | 0.18% | 9,703 |
| Q4 2025 | $146.2M | $134.0M | $55.8M | $11.3M | $681K | 0.47% | 2.33% | 0.63% | 9,657 |
| Q3 2025 | $147.9M | $135.9M | $51.9M | $11.1M | $475K | 0.43% | 2.18% | 0.18% | 9,632 |
| Q2 2025 | $148.2M | $136.5M | $53.2M | $10.9M | $292K | 0.39% | 2.01% | 0.96% | 9,596 |
| Q1 2025 | $149.9M | $138.7M | $53.5M | $10.7M | $35K | 0.09% | 1.95% | 1.29% | 9,564 |
| Q4 2024 | $146.8M | $135.4M | $56.0M | $10.7M | $284K | 0.19% | 1.96% | 4.67% | 9,539 |
| Q3 2024 | $149.8M | $138.2M | $57.7M | $10.8M | $387K | 0.34% | 1.91% | 4.57% | 9,515 |
| Q2 2024 | $150.0M | $138.2M | $58.6M | $10.7M | $361K | 0.48% | 1.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 4.52% |
| 9,471 |
Loan mix (Q1 2026): real estate $30.8M · commercial $1.6M · consumer $10.8M · securities $63.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.8% | 78.7% | 47th |
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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