| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.4 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 0.32% | 0.69% | -0.4 pts |
| ROE | 2.7% | 5.9% | -3.3 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.0M | $113.0M | $94.5M | $15.7M | $104K | 0.32% | 4.01% | 0.87% | 7,802 |
| Q4 2025 | $124.7M | $108.7M | $92.5M | $15.7M | $117K | 0.09% | 3.79% | 2.00% | 7,879 |
| Q3 2025 | $124.1M | $108.0M | $92.3M | $15.8M | $181K | 0.19% | 3.79% | 1.42% | 7,915 |
| Q2 2025 | $126.1M | $110.3M | $89.1M | $15.6M | $14K | 0.02% | 3.69% | 1.09% | 7,987 |
| Q1 2025 | $128.3M | $112.6M | $89.5M | $15.6M | $30K | 0.09% | 3.57% | 1.04% | 8,025 |
| Q4 2024 | $126.5M | $110.9M | $91.4M | $15.7M | $-1.5M | -1.16% | 3.53% | 2.17% | 8,107 |
| Q3 2024 | $126.0M | $110.2M | $92.4M | $16.0M | $-1.2M | -1.30% | 3.51% | 1.36% | 8,223 |
| Q2 2024 | $126.6M | $111.1M | $92.6M | $15.9M | $-1.3M | -2.01% | 3.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.78% |
| 8,355 |
Loan mix (Q1 2026): real estate $48.2M · commercial $1.8M · consumer $29.4M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 78.7% | 71th |
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.