| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.8 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | -0.5% | +2.9% | -3.4 pts |
| ROA | 1.23% | 0.69% | +0.5 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.7M | $95.3M | $27.1M | $38.8M | $400K | 1.23% | 2.25% | 0.29% | 7,211 |
| Q4 2025 | $127.6M | $92.3M | $27.9M | $38.4M | $1.3M | 1.04% | 2.12% | 0.29% | 7,264 |
| Q3 2025 | $124.9M | $90.4M | $27.8M | $38.1M | $957K | 1.02% | 2.10% | 0.29% | 7,322 |
| Q2 2025 | $123.3M | $89.6M | $27.3M | $37.7M | $600K | 0.97% | 2.08% | 0.33% | 7,347 |
| Q1 2025 | $120.2M | $87.4M | $27.2M | $37.4M | $284K | 0.95% | 2.07% | 0.34% | 7,383 |
| Q4 2024 | $114.8M | $83.1M | $27.4M | $37.1M | $1.0M | 0.89% | 2.02% | 0.02% | 7,431 |
| Q3 2024 | $114.7M | $82.5M | $27.4M | $36.9M | $771K | 0.90% | 2.01% | 0.31% | 7,476 |
| Q2 2024 | $114.1M | $83.7M | $26.6M | $36.6M | $504K | 0.88% | 2.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 7,538 |
Loan mix (Q1 2026): real estate $16.1M · commercial $0 · consumer $10.3M · securities $86.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 78.7% | 2th |
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.