| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.0 pts |
| Share growth (YoY) | -2.2% | +3.3% | -5.5 pts |
| Loan growth (YoY) | -9.0% | +2.9% | -11.9 pts |
| ROA | 0.90% | 0.69% | +0.2 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $110.9M | $98.2M | $58.9M | $12.2M | $249K | 0.90% | 4.19% | 0.04% | 7,155 |
| Q4 2025 | $108.8M | $96.3M | $60.6M | $11.9M | $986K | 0.91% | 4.43% | 0.13% | 7,176 |
| Q3 2025 | $109.5M | $97.1M | $62.6M | $11.8M | $884K | 1.08% | 4.39% | 0.12% | 7,213 |
| Q2 2025 | $112.8M | $100.7M | $64.2M | $11.6M | $619K | 1.10% | 4.20% | 0.09% | 7,259 |
| Q1 2025 | $112.2M | $100.3M | $64.7M | $11.2M | $293K | 1.05% | 4.11% | 0.12% | 7,288 |
| Q4 2024 | $107.9M | $96.4M | $66.6M | $11.0M | $1.2M | 1.10% | 4.14% | 0.14% | 7,387 |
| Q3 2024 | $105.4M | $94.3M | $68.5M | $10.6M | $847K | 1.07% | 4.16% | 0.25% | 7,454 |
| Q2 2024 | $108.1M | $97.0M | $70.1M | $10.3M | $543K | 1.00% | 4.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 7,479 |
Loan mix (Q1 2026): real estate $29.2M · commercial $0 · consumer $26.0M · securities $30.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.7% | 49th |
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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