| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | +31.9% | +2.9% | +28.9 pts |
| ROA | 0.27% | 0.69% | -0.4 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.4M | $118.3M | $89.4M | $10.8M | $88K | 0.27% | 3.85% | 0.96% | 9,152 |
| Q4 2025 | $127.4M | $115.2M | $84.9M | $10.7M | $-273K | -0.21% | 3.56% | 1.10% | 9,600 |
| Q3 2025 | $128.3M | $115.5M | $74.1M | $10.9M | $-287K | -0.30% | 3.40% | 1.25% | 9,608 |
| Q2 2025 | $130.1M | $117.9M | $71.1M | $10.9M | $-263K | -0.40% | 3.22% | 2.25% | 9,605 |
| Q1 2025 | $127.6M | $115.5M | $67.8M | $11.0M | $-163K | -0.51% | 3.26% | 2.01% | 9,606 |
| Q4 2024 | $122.0M | $110.1M | $68.9M | $11.2M | $301K | 0.25% | 3.74% | 3.12% | 9,605 |
| Q3 2024 | $114.6M | $102.4M | $70.0M | $11.3M | $193K | 0.22% | 4.06% | 2.55% | 9,682 |
| Q2 2024 | $112.1M | $99.8M | $72.0M | $11.1M | $13K | 0.02% | 4.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.17% |
| 9,717 |
Loan mix (Q1 2026): real estate $46.6M · commercial $13.4M · consumer $21.0M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 78.7% | 70th |
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.