| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.9% | -5.5 pts |
| Share growth (YoY) | -3.8% | +3.3% | -7.1 pts |
| Loan growth (YoY) | -0.9% | +2.9% | -3.8 pts |
| ROA | 0.82% | 0.69% | +0.1 pts |
| ROE | 7.9% | 5.9% | +1.9 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $106.6M | $93.1M | $78.6M | $11.2M | $220K | 0.82% | 4.23% | 0.59% | 11,303 |
| Q4 2025 | $107.8M | $92.4M | $82.3M | $11.0M | $1.0M | 0.95% | 4.18% | 1.38% | 11,248 |
| Q3 2025 | $103.9M | $91.7M | $83.2M | $10.5M | $575K | 0.74% | 4.24% | 0.77% | 11,415 |
| Q2 2025 | $108.6M | $96.2M | $78.8M | $10.4M | $415K | 0.76% | 3.91% | 0.35% | 10,883 |
| Q1 2025 | $108.4M | $96.8M | $79.3M | $10.2M | $193K | 0.71% | 3.83% | 0.32% | 10,836 |
| Q4 2024 | $100.1M | $85.6M | $72.3M | $8.6M | $318K | 0.32% | 3.67% | 0.31% | 9,147 |
| Q3 2024 | $98.7M | $84.2M | $74.3M | $8.6M | $355K | 0.48% | 3.71% | 0.71% | 9,118 |
| Q2 2024 | $98.5M | $83.7M | $76.0M | $8.5M | $281K | 0.57% | 3.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 9,088 |
Loan mix (Q1 2026): real estate $47.2M · commercial $6.6M · consumer $22.4M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.7% | 56th |
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.