| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +10.8% | +2.9% | +7.9 pts |
| ROA | 0.98% | 0.69% | +0.3 pts |
| ROE | 8.0% | 5.9% | +2.0 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $123.5M | $106.5M | $38.0M | $15.2M | $303K | 0.98% | 3.72% | 0.11% | 7,831 |
| Q4 2025 | $118.1M | $101.0M | $35.4M | $14.9M | $1.1M | 0.93% | 3.66% | 0.24% | 7,723 |
| Q3 2025 | $117.2M | $100.3M | $35.8M | $14.6M | $790K | 0.90% | 3.62% | 0.03% | 7,750 |
| Q2 2025 | $118.9M | $102.6M | $35.0M | $14.3M | $455K | 0.77% | 3.46% | 0.07% | 7,799 |
| Q1 2025 | $118.8M | $102.9M | $34.3M | $14.0M | $149K | 0.50% | 3.36% | 0.09% | 7,783 |
| Q4 2024 | $116.7M | $101.0M | $34.0M | $13.8M | $1.0M | 0.89% | 3.25% | 0.31% | 7,742 |
| Q3 2024 | $116.8M | $101.9M | $33.5M | $13.6M | $860K | 0.98% | 3.23% | 0.21% | 7,742 |
| Q2 2024 | $120.9M | $105.6M | $32.0M | $13.3M | $520K | 0.86% | 3.01% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.09% |
| 7,745 |
Loan mix (Q1 2026): real estate $15.0M · commercial $0 · consumer $21.3M · securities $69.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 78.7% | 48th |
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.