| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.6 pts |
| ROA | 1.05% | 0.69% | +0.4 pts |
| ROE | 11.5% | 5.9% | +5.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $212.6M | $179.8M | $119.4M | $19.3M | $556K | 1.05% | 3.61% | 0.71% | 11,714 |
| Q4 2025 | $204.2M | $176.0M | $120.1M | $18.8M | $2.2M | 1.10% | 3.69% | 0.84% | 11,697 |
| Q3 2025 | $203.7M | $174.6M | $120.7M | $18.3M | $1.7M | 1.09% | 3.61% | 0.77% | 11,724 |
| Q2 2025 | $202.4M | $176.5M | $117.6M | $17.6M | $980K | 0.97% | 3.57% | 0.43% | 11,587 |
| Q1 2025 | $202.4M | $175.0M | $116.7M | $16.9M | $338K | 0.67% | 3.47% | 0.52% | 11,383 |
| Q4 2024 | $192.3M | $169.6M | $113.1M | $16.6M | $1.5M | 0.76% | 3.35% | 0.62% | 11,355 |
| Q3 2024 | $190.8M | $165.0M | $116.3M | $16.4M | $1.1M | 0.80% | 3.26% | 0.32% | 11,351 |
| Q2 2024 | $184.2M | $161.9M | $118.5M | $15.9M | $673K | 0.73% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 11,309 |
Loan mix (Q1 2026): real estate $33.1M · commercial $0 · consumer $72.3M · securities $51.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.7% | 49th |
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.