| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.5 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 0.93% | 0.69% | +0.2 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $224.9M | $198.1M | $116.6M | $27.7M | $524K | 0.93% | 2.82% | 0.08% | 15,929 |
| Q4 2025 | $225.3M | $198.9M | $119.1M | $27.1M | $2.4M | 1.07% | 2.85% | 0.28% | 16,062 |
| Q3 2025 | $224.3M | $197.7M | $122.0M | $26.8M | $2.0M | 1.16% | 2.83% | 0.18% | 16,139 |
| Q2 2025 | $223.0M | $197.3M | $121.4M | $26.2M | $1.4M | 1.22% | 2.80% | 0.29% | 16,154 |
| Q1 2025 | $219.6M | $194.6M | $118.8M | $25.5M | $646K | 1.18% | 2.80% | 0.30% | 16,172 |
| Q4 2024 | $212.2M | $187.8M | $116.2M | $24.9M | $2.7M | 1.25% | 2.82% | 0.39% | 16,093 |
| Q3 2024 | $204.0M | $180.6M | $116.9M | $24.4M | $2.1M | 1.34% | 2.90% | 0.32% | 16,136 |
| Q2 2024 | $196.9M | $174.5M | $118.0M | $23.7M | $1.3M | 1.37% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 16,152 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $114.1M · securities $78.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 78.7% | 18th |
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.