| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +13.6% | +2.9% | +10.6 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 8.4% | 5.9% | +2.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $170.2M | $151.6M | $130.1M | $18.0M | $378K | 0.89% | 3.94% | 0.10% | 11,373 |
| Q4 2025 | $162.9M | $145.6M | $123.3M | $17.7M | $1.4M | 0.88% | 4.10% | 0.71% | 11,280 |
| Q3 2025 | $163.5M | $143.3M | $122.2M | $17.1M | $905K | 0.74% | 4.06% | 0.61% | 11,224 |
| Q2 2025 | $166.9M | $147.1M | $118.8M | $16.9M | $642K | 0.77% | 3.92% | 0.48% | 11,234 |
| Q1 2025 | $167.3M | $148.5M | $114.6M | $16.6M | $368K | 0.88% | 3.82% | 0.41% | 11,149 |
| Q4 2024 | $164.6M | $145.2M | $114.2M | $16.3M | $1.3M | 0.77% | 3.73% | 0.85% | 11,208 |
| Q3 2024 | $156.1M | $136.2M | $115.9M | $16.1M | $1.1M | 0.90% | 3.93% | 0.99% | 11,147 |
| Q2 2024 | $149.5M | $130.4M | $113.4M | $15.8M | $784K | 1.05% | 4.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 11,077 |
Loan mix (Q1 2026): real estate $11.3M · commercial $6.3M · consumer $68.5M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 52th |
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.