| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -1.2% | +3.3% | -4.5 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.6 pts |
| ROA | 0.25% | 0.69% | -0.4 pts |
| ROE | 2.5% | 5.9% | -3.5 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 | $179.6M | $159.0M | $110.8M | $18.2M | $112K | 0.25% | 3.62% | 0.87% | 10,993 |
| Q4 2025 | $176.8M | $157.6M | $109.4M | $18.0M | $487K | 0.28% | 3.71% | 0.92% | 11,570 |
| Q3 2025 | $176.4M | $157.5M | $109.4M | $18.0M | $450K | 0.34% | 3.72% | 1.70% | 11,758 |
| Q2 2025 | $177.9M | $158.9M | $109.7M | $17.9M | $342K | 0.39% | 3.67% | 1.73% | 11,908 |
| Q1 2025 | $179.5M | $160.9M | $110.4M | $17.8M | $200K | 0.45% | 3.59% | 0.85% | 11,988 |
| Q4 2024 | $173.9M | $155.3M | $108.0M | $17.6M | $1.6M | 0.91% | 3.93% | 0.97% | 12,071 |
| Q3 2024 | $174.2M | $156.0M | $108.9M | $17.3M | $1.2M | 0.94% | 3.96% | 1.28% | 12,098 |
| Q2 2024 | $177.1M | $158.4M | $108.8M | $16.9M | $866K | 0.98% | 3.92% |
| Ratio | Value | Trend (8q) | 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 | 2.5% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 12,167 |
Loan mix (Q1 2026): real estate $78.3M · commercial $0 · consumer $31.5M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.7% | 61th |
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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