| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +3.9% | -5.2 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.7 pts |
| ROA | 0.70% | 0.69% | +0.0 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.8M | $118.2M | $62.3M | $14.0M | $231K | 0.70% | 4.40% | 1.06% | 11,272 |
| Q4 2025 | $130.9M | $116.8M | $61.9M | $13.7M | $1.1M | 0.81% | 4.33% | 1.13% | 11,272 |
| Q3 2025 | $129.8M | $115.3M | $62.4M | $13.5M | $795K | 0.82% | 4.28% | 0.80% | 11,521 |
| Q2 2025 | $132.8M | $119.2M | $62.7M | $13.2M | $573K | 0.86% | 4.21% | 0.98% | 11,396 |
| Q1 2025 | $134.5M | $120.7M | $62.8M | $12.9M | $256K | 0.76% | 4.30% | 0.77% | 11,396 |
| Q4 2024 | $131.3M | $118.9M | $63.9M | $12.7M | $1.4M | 1.09% | 4.09% | 0.88% | 11,614 |
| Q3 2024 | $127.8M | $115.4M | $63.8M | $12.4M | $1.1M | 1.17% | 4.19% | 0.62% | 11,614 |
| Q2 2024 | $129.6M | $117.7M | $62.7M | $12.1M | $845K | 1.30% | 4.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 11,512 |
Loan mix (Q1 2026): real estate $23.6M · commercial $93K · consumer $35.7M · securities $46.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 78.7% | 78th |
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.