| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.9% | -3.3 pts |
| Share growth (YoY) | +0.2% | +3.3% | -3.1 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.9 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 2.5% | 5.9% | -3.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $145.2M | $129.0M | $117.4M | $17.8M | $111K | 0.31% | 5.00% | 2.44% | 17,293 |
| Q4 2025 | $144.0M | $127.9M | $118.8M | $17.7M | $823K | 0.57% | 5.14% | 3.06% | 15,349 |
| Q3 2025 | $141.7M | $125.8M | $118.3M | $17.2M | $370K | 0.35% | 5.18% | 2.71% | 15,465 |
| Q2 2025 | $141.9M | $126.1M | $116.2M | $17.1M | $219K | 0.31% | 5.14% | 3.09% | 15,493 |
| Q1 2025 | $144.4M | $128.8M | $113.1M | $16.9M | $104K | 0.29% | 4.97% | 2.04% | 15,513 |
| Q4 2024 | $139.1M | $123.7M | $115.1M | $16.8M | $1.1M | 0.81% | 5.01% | 2.31% | 15,562 |
| Q3 2024 | $140.8M | $125.4M | $115.3M | $16.7M | $1.0M | 0.97% | 4.96% | 2.29% | 15,737 |
| Q2 2024 | $142.3M | $127.2M | $115.7M | $16.3M | $623K | 0.88% | 4.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.32% |
| 15,837 |
Loan mix (Q1 2026): real estate $58.1M · commercial $0 · consumer $55.6M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 78.7% | 75th |
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.