| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.3 pts |
| ROA | 0.11% | 0.69% | -0.6 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.2M | $151.0M | $134.3M | $21.8M | $51K | 0.11% | 3.87% | 0.78% | 12,637 |
| Q4 2025 | $178.3M | $150.4M | $131.6M | $21.8M | $960K | 0.54% | 3.84% | 1.70% | 12,606 |
| Q3 2025 | $177.4M | $150.0M | $129.3M | $21.6M | $781K | 0.59% | 3.86% | 1.97% | 12,581 |
| Q2 2025 | $174.2M | $147.2M | $131.3M | $21.4M | $532K | 0.61% | 3.93% | 1.46% | 12,573 |
| Q1 2025 | $175.9M | $149.1M | $130.8M | $21.1M | $232K | 0.53% | 3.87% | 0.43% | 12,564 |
| Q4 2024 | $174.0M | $147.9M | $133.1M | $20.9M | $753K | 0.43% | 3.92% | 0.53% | 12,552 |
| Q3 2024 | $176.5M | $151.0M | $135.0M | $20.6M | $381K | 0.29% | 3.87% | 0.67% | 12,601 |
| Q2 2024 | $178.6M | $155.0M | $132.0M | $19.9M | $183K | 0.21% | 3.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.20% |
| 12,643 |
Loan mix (Q1 2026): real estate $98.4M · commercial $940K · consumer $34.4M · securities $21.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 78.7% | 82th |
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.