| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +3.9% | -1.2 pts |
| Share growth (YoY) | +0.6% | +3.3% | -2.7 pts |
| Loan growth (YoY) | +4.2% | +2.9% | +1.3 pts |
| ROA | 1.70% | 0.69% | +1.0 pts |
| ROE | 14.6% | 5.9% | +8.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.9M | $118.7M | $54.4M | $15.8M | $577K | 1.70% | 4.00% | 0.27% | 8,301 |
| Q4 2025 | $134.8M | $118.4M | $53.6M | $15.2M | $2.6M | 1.90% | 3.98% | 0.59% | 8,285 |
| Q3 2025 | $131.3M | $115.6M | $52.9M | $14.6M | $1.9M | 1.93% | 4.03% | 0.77% | 8,256 |
| Q2 2025 | $132.7M | $117.6M | $53.6M | $13.8M | $1.2M | 1.77% | 3.86% | 0.32% | 8,264 |
| Q1 2025 | $132.3M | $118.0M | $52.2M | $13.2M | $466K | 1.41% | 3.69% | 0.46% | 8,255 |
| Q4 2024 | $129.0M | $115.1M | $51.3M | $12.7M | $1.8M | 1.43% | 3.45% | 0.78% | 8,234 |
| Q3 2024 | $128.6M | $115.5M | $52.1M | $12.2M | $1.3M | 1.36% | 3.39% | 0.66% | 8,235 |
| Q2 2024 | $132.6M | $119.2M | $51.3M | $11.8M | $894K | 1.35% | 3.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.62% |
| 8,209 |
Loan mix (Q1 2026): real estate $15.4M · commercial $0 · consumer $37.5M · securities $9.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 78.7% | 15th |
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.