| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +3.9% | +7.2 pts |
| Share growth (YoY) | +11.6% | +3.3% | +8.3 pts |
| Loan growth (YoY) | -0.0% | +2.9% | -2.9 pts |
| ROA | 0.48% | 0.69% | -0.2 pts |
| ROE | 2.7% | 5.9% | -3.3 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.0M | $116.5M | $75.8M | $25.4M | $171K | 0.48% | 3.64% | 0.60% | 7,168 |
| Q4 2025 | $138.8M | $112.4M | $77.0M | $25.2M | $1.9M | 1.35% | 3.74% | 0.93% | 7,249 |
| Q3 2025 | $132.5M | $106.4M | $77.6M | $24.9M | $1.5M | 1.54% | 3.91% | 0.82% | 7,275 |
| Q2 2025 | $132.2M | $107.0M | $75.6M | $24.4M | $1.0M | 1.52% | 3.80% | 0.72% | 7,330 |
| Q1 2025 | $128.8M | $104.4M | $75.8M | $23.7M | $346K | 1.08% | 3.79% | 0.34% | 7,316 |
| Q4 2024 | $124.8M | $101.1M | $77.2M | $23.4M | $1.5M | 1.20% | 3.83% | 0.47% | 7,332 |
| Q3 2024 | $124.7M | $100.9M | $76.8M | $23.2M | $1.4M | 1.45% | 3.76% | 0.23% | 7,367 |
| Q2 2024 | $125.2M | $102.0M | $75.4M | $22.7M | $839K | 1.34% | 3.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 7,401 |
Loan mix (Q1 2026): real estate $26.0M · commercial $14.5M · consumer $30.4M · securities $53.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 78.7% | 71th |
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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