| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.9% | +0.8 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | +13.1% | +2.9% | +10.1 pts |
| ROA | 0.46% | 0.69% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.6 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $206.5M | $162.5M | $178.5M | $21.8M | $239K | 0.46% | 3.79% | 0.33% | 13,435 |
| Q4 2025 | $200.7M | $157.4M | $174.3M | $21.8M | $184K | 0.09% | 3.51% | 0.43% | 13,343 |
| Q3 2025 | $196.8M | $157.1M | $171.9M | $21.3M | $-159K | -0.11% | 3.44% | 0.39% | 13,169 |
| Q2 2025 | $195.3M | $160.8M | $161.3M | $21.2M | $-234K | -0.24% | 3.32% | 0.34% | 13,024 |
| Q1 2025 | $197.2M | $160.7M | $157.9M | $21.2M | $-210K | -0.43% | 3.12% | 0.70% | 13,194 |
| Q4 2024 | $196.5M | $160.1M | $159.4M | $21.4M | $119K | 0.06% | 3.22% | 0.64% | 13,119 |
| Q3 2024 | $194.4M | $157.4M | $158.7M | $21.3M | $46K | 0.03% | 3.20% | 0.50% | 12,960 |
| Q2 2024 | $196.8M | $156.6M | $156.8M | $21.3M | $674 | 0.00% | 3.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 12,726 |
Loan mix (Q1 2026): real estate $91.4M · commercial $23.7M · consumer $56.3M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 78.7% | 74th |
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.