| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -3.0% | +2.9% | -5.9 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 4.8% | 5.9% | -1.2 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $155.0M | $135.1M | $77.3M | $19.2M | $230K | 0.59% | 3.10% | 0.29% | 6,872 |
| Q4 2025 | $149.2M | $129.7M | $78.2M | $18.9M | $732K | 0.49% | 3.17% | 1.02% | 6,849 |
| Q3 2025 | $147.6M | $128.0M | $79.4M | $18.8M | $563K | 0.51% | 3.16% | 0.39% | 6,886 |
| Q2 2025 | $147.7M | $128.4M | $79.6M | $18.5M | $349K | 0.47% | 3.10% | 0.97% | 6,903 |
| Q1 2025 | $150.7M | $131.5M | $79.6M | $18.3M | $143K | 0.38% | 2.93% | 0.22% | 6,893 |
| Q4 2024 | $147.9M | $129.1M | $80.2M | $18.2M | $585K | 0.40% | 2.96% | 0.32% | 6,880 |
| Q3 2024 | $146.0M | $126.8M | $80.9M | $18.1M | $540K | 0.49% | 3.00% | 0.51% | 6,883 |
| Q2 2024 | $143.8M | $125.2M | $80.1M | $18.0M | $400K | 0.56% | 3.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42nd | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 6,871 |
Loan mix (Q1 2026): real estate $66.9M · commercial $0 · consumer $10.2M · securities $42.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 78.7% | 66th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
3 branches in 2 counties across 1 state (+0 vs 2024). Biggest market: Kent, RI, ranked 15th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kent, RI | 2 | $85.6M* | 1.24% | 15th |
| Providence, RI | 1 | $42.8M* | 0.14% | 18th |
Rhode Island: 20th with 0.26% · Providence-Warwick metro: 36th, 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3