| Metric | Blaw-Knox Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -0.1% | -2.4% | +2.2 pts |
| ROA | 1.79% | 0.60% | +1.2 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.7M | $11.0M | $8.0M | $2.6M | $61K | 1.79% | 4.12% | 0.15% | 1,800 |
| Q4 2025 | $13.1M | $10.5M | $8.1M | $2.6M | $184K | 1.40% | 4.03% | 0.13% | 1,813 |
| Q3 2025 | $13.1M | $10.5M | $8.2M | $2.6M | $157K | 1.59% | 4.14% | 0.06% | 1,832 |
| Q2 2025 | $13.0M | $10.4M | $8.3M | $2.5M | $99K | 1.53% | 4.13% | 0.01% | 1,838 |
| Q1 2025 | $13.1M | $10.7M | $8.0M | $2.4M | $45K | 1.36% | 3.94% | 0.05% | 1,843 |
| Q4 2024 | $12.9M | $10.5M | $8.0M | $2.4M | $109K | 0.84% | 3.46% | 0.14% | 1,860 |
| Q3 2024 | $12.8M | $10.3M | $8.3M | $2.4M | $76K | 0.80% | 3.43% | 0.01% | 1,871 |
| Q2 2024 | $13.0M | $10.6M | $8.2M | $2.3M | $48K | 0.74% | 3.37% | 0.11% |
| Ratio | Blaw-Knox Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,877 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.9M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 81.5% | 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 | Blaw-Knox Credit Union | 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 | Blaw-Knox Credit Union | 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 | Blaw-Knox Credit Union | 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 | Blaw-Knox Credit Union | 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% |
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