| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +3.9% | -1.2 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 1.29% | 0.69% | +0.6 pts |
| ROE | 7.9% | 5.9% | +1.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.2M | $105.4M | $71.7M | $20.7M | $407K | 1.29% | 3.14% | 0.70% | 6,963 |
| Q4 2025 | $124.2M | $103.8M | $71.9M | $20.2M | $1.5M | 1.25% | 3.19% | 1.20% | 7,015 |
| Q3 2025 | $122.4M | $102.4M | $72.7M | $19.9M | $1.2M | 1.27% | 3.21% | 2.49% | 7,092 |
| Q2 2025 | $123.1M | $103.6M | $72.2M | $19.5M | $736K | 1.20% | 3.16% | 1.89% | 7,148 |
| Q1 2025 | $122.9M | $103.8M | $71.5M | $19.1M | $359K | 1.17% | 3.13% | 1.02% | 7,225 |
| Q4 2024 | $121.5M | $102.7M | $72.2M | $18.7M | $1.7M | 1.39% | 3.22% | 0.42% | 7,289 |
| Q3 2024 | $119.9M | $101.5M | $72.9M | $18.4M | $1.3M | 1.47% | 3.26% | 0.64% | 7,373 |
| Q2 2024 | $122.0M | $104.1M | $72.1M | $17.9M | $845K | 1.39% | 3.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 7,414 |
Loan mix (Q1 2026): real estate $62.1M · commercial $0 · consumer $9.7M · securities $25.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 78.7% | 13th |
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.