| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -7.9% | -2.4% | -5.6 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $86.9M | $78.7M | $47.0M | $8.2M | $241K | 1.11% | 3.61% | 0.82% | 7,001 |
| Q4 2025 | $87.3M | $79.1M | $48.5M | $7.9M | $906K | 1.04% | 3.61% | 1.14% | 7,031 |
| Q3 2025 | $85.0M | $77.1M | $49.2M | $7.8M | $705K | 1.10% | 3.69% | 0.56% | 7,025 |
| Q2 2025 | $85.3M | $77.6M | $49.7M | $7.7M | $529K | 1.24% | 3.64% | 1.23% | 7,039 |
| Q1 2025 | $83.2M | $75.9M | $51.1M | $7.4M | $232K | 1.11% | 3.78% | 0.80% | 7,127 |
| Q4 2024 | $82.9M | $74.2M | $52.8M | $7.1M | $545K | 0.66% | 3.56% | 1.94% | 7,111 |
| Q3 2024 | $89.4M | $75.3M | $59.5M | $6.9M | $196K | 0.29% | 3.17% | 9.71% | 7,085 |
| Q2 2024 | $88.9M | $73.5M | $60.3M | $7.0M | $286K | 0.64% | 3.49% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,045 |
Loan mix (Q1 2026): real estate $24.3M · commercial $6.0M · consumer $11.2M · securities $20.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 81.5% | 32th |
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.