| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +3.9% | -6.7 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.5 pts |
| ROA | 0.19% | 0.69% | -0.5 pts |
| ROE | 2.2% | 5.9% | -3.8 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $329.8M | $292.3M | $257.9M | $29.2M | $159K | 0.19% | 3.81% | 0.58% | 17,702 |
| Q4 2025 | $332.4M | $288.9M | $258.7M | $29.1M | $527K | 0.16% | 3.77% | 0.93% | 17,694 |
| Q3 2025 | $336.4M | $286.0M | $259.0M | $28.7M | $182K | 0.07% | 3.67% | 0.76% | 17,822 |
| Q2 2025 | $334.4M | $287.1M | $256.5M | $28.6M | $3K | 0.00% | 3.60% | 1.07% | 17,934 |
| Q1 2025 | $339.2M | $296.5M | $251.8M | $28.5M | $-93K | -0.11% | 3.44% | 0.83% | 18,078 |
| Q4 2024 | $335.5M | $290.9M | $248.5M | $28.6M | $300K | 0.09% | 3.41% | 1.04% | 18,068 |
| Q3 2024 | $332.4M | $282.9M | $245.7M | $28.5M | $268K | 0.11% | 3.38% | 0.75% | 18,718 |
| Q2 2024 | $337.2M | $289.7M | $246.9M | $28.5M | $191K | 0.11% | 3.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 5.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 18,690 |
Loan mix (Q1 2026): real estate $143.3M · commercial $46.0M · consumer $67.8M · securities $57.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 78.7% | 91th |
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.