| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.3 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +15.6% | +2.9% | +12.7 pts |
| ROA | 0.24% | 0.69% | -0.5 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $114.6M | $103.0M | $67.8M | $11.4M | $69K | 0.24% | 2.96% | 2.28% | 5,691 |
| Q4 2025 | $111.1M | $99.5M | $65.9M | $11.3M | $234K | 0.21% | 2.92% | 3.20% | 5,667 |
| Q3 2025 | $111.8M | $100.0M | $63.7M | $11.4M | $286K | 0.34% | 2.85% | 2.11% | 5,601 |
| Q2 2025 | $111.3M | $99.2M | $60.2M | $11.2M | $185K | 0.33% | 2.77% | 2.18% | 5,538 |
| Q1 2025 | $111.7M | $99.6M | $58.6M | $11.1M | $72K | 0.26% | 2.67% | 2.20% | 5,486 |
| Q4 2024 | $109.1M | $97.6M | $58.4M | $11.1M | $208K | 0.19% | 2.59% | 2.18% | 5,942 |
| Q3 2024 | $105.8M | $94.4M | $57.8M | $11.1M | $286K | 0.36% | 2.65% | 2.43% | 5,494 |
| Q2 2024 | $104.1M | $92.8M | $56.9M | $11.0M | $134K | 0.26% | 2.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.69% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.73% |
| 5,802 |
Loan mix (Q1 2026): real estate $47.8M · commercial $0 · consumer $18.6M · securities $33.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 78.7% | 77th |
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.