| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.9% | -3.0 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | -3.8% | +2.9% | -6.7 pts |
| ROA | 1.28% | 0.69% | +0.6 pts |
| ROE | 9.9% | 5.9% | +3.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $127.7M | $110.5M | $46.0M | $16.6M | $409K | 1.28% | 3.50% | 0.02% | 8,514 |
| Q4 2025 | $125.9M | $108.6M | $46.0M | $16.2M | $1.5M | 1.16% | 3.15% | 0.17% | 8,524 |
| Q3 2025 | $125.7M | $108.9M | $47.4M | $16.2M | $1.5M | 1.64% | 3.53% | 0.11% | 8,699 |
| Q2 2025 | $125.9M | $109.7M | $48.5M | $15.7M | $963K | 1.53% | 3.44% | 0.14% | 8,852 |
| Q1 2025 | $126.5M | $110.1M | $47.8M | $15.1M | $410K | 1.30% | 3.29% | 0.01% | 8,972 |
| Q4 2024 | $120.7M | $105.5M | $49.4M | $14.7M | $1.0M | 0.87% | 2.88% | 0.01% | 9,103 |
| Q3 2024 | $120.8M | $105.7M | $50.0M | $14.4M | $738K | 0.81% | 2.75% | 0.05% | 9,238 |
| Q2 2024 | $122.6M | $108.3M | $50.6M | $14.1M | $443K | 0.72% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 9,473 |
Loan mix (Q1 2026): real estate $12.2M · commercial $0 · consumer $33.1M · securities $68.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 78.7% | 22th |
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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