| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.9% | +2.3 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +8.1% | +2.9% | +5.2 pts |
| ROA | 0.60% | 0.69% | -0.1 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.8M | $119.5M | $97.8M | $15.0M | $203K | 0.60% | 5.04% | 0.48% | 13,934 |
| Q4 2025 | $127.2M | $111.1M | $97.2M | $14.8M | $927K | 0.73% | 5.01% | 0.96% | 13,849 |
| Q3 2025 | $127.0M | $111.2M | $94.5M | $14.5M | $631K | 0.66% | 4.92% | 0.91% | 13,795 |
| Q2 2025 | $127.0M | $111.0M | $93.2M | $14.5M | $461K | 0.73% | 4.80% | 0.87% | 13,613 |
| Q1 2025 | $127.9M | $112.5M | $90.5M | $14.1M | $115K | 0.36% | 4.61% | 0.94% | 13,649 |
| Q4 2024 | $118.4M | $103.1M | $91.0M | $14.0M | $415K | 0.35% | 4.83% | 0.70% | 13,441 |
| Q3 2024 | $116.8M | $101.7M | $89.7M | $14.1M | $459K | 0.52% | 4.87% | 0.88% | 13,464 |
| Q2 2024 | $111.5M | $96.0M | $87.8M | $14.0M | $253K | 0.45% | 5.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 13,415 |
Loan mix (Q1 2026): real estate $16.3M · commercial $0 · consumer $79.2M · securities $13.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 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.