| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +1.8% | +2.9% | -1.2 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.1M | $104.8M | $73.7M | $12.0M | $208K | 0.71% | 3.28% | 0.09% | 8,561 |
| Q4 2025 | $116.2M | $104.2M | $72.6M | $11.8M | $825K | 0.71% | 3.28% | 0.12% | 8,494 |
| Q3 2025 | $110.9M | $99.0M | $73.7M | $11.5M | $560K | 0.67% | 3.39% | 0.74% | 8,485 |
| Q2 2025 | $110.1M | $98.6M | $73.0M | $11.2M | $263K | 0.48% | 3.34% | 0.82% | 8,732 |
| Q1 2025 | $110.1M | $98.7M | $72.4M | $11.1M | $123K | 0.45% | 3.23% | 0.73% | 8,664 |
| Q4 2024 | $108.2M | $97.0M | $71.6M | $11.0M | $720K | 0.67% | 3.27% | 0.12% | 8,607 |
| Q3 2024 | $108.3M | $97.0M | $73.9M | $11.0M | $741K | 0.91% | 3.26% | 0.30% | 8,629 |
| Q2 2024 | $107.1M | $96.1M | $73.6M | $10.8M | $540K | 1.01% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 8,849 |
Loan mix (Q1 2026): real estate $16.6M · commercial $2.8M · consumer $43.1M · securities $26.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 78.7% | 61th |
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.