| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.9 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.4 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.9M | $88.2M | $39.7M | $7.4M | $158K | 0.65% | 3.52% | 0.09% | 24,967 |
| Q4 2025 | $83.3M | $74.9M | $40.7M | $7.2M | $1.2M | 1.48% | 4.18% | 0.00% | 24,065 |
| Q3 2025 | $94.8M | $86.5M | $41.9M | $6.9M | $896K | 1.26% | 3.59% | 0.03% | 24,980 |
| Q2 2025 | $80.2M | $72.2M | $41.9M | $6.7M | $622K | 1.55% | 4.25% | 0.08% | 23,852 |
| Q1 2025 | $90.8M | $82.8M | $41.7M | $6.4M | $235K | 1.03% | 3.44% | 0.03% | 25,155 |
| Q4 2024 | $73.5M | $65.8M | $42.3M | $6.2M | $1.0M | 1.37% | 4.34% | 0.02% | 24,027 |
| Q3 2024 | $86.2M | $78.8M | $41.9M | $5.9M | $740K | 1.14% | 3.57% | 0.11% | 22,904 |
| Q2 2024 | $74.7M | $66.8M | $42.4M | $5.8M | $513K | 1.37% | 4.18% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 20,674 |
Loan mix (Q1 2026): real estate $17.6M · commercial $2.3M · consumer $18.9M · securities $36.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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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