| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.1% | +3.9% | +19.2 pts |
| Share growth (YoY) | +30.5% | +3.3% | +27.2 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.1M | $134.8M | $90.4M | $24.0M | $110K | 0.28% | 4.15% | 0.79% | 10,650 |
| Q4 2025 | $125.8M | $106.4M | $83.6M | $19.9M | $345K | 0.27% | 4.39% | 0.97% | 7,067 |
| Q3 2025 | $125.0M | $106.9M | $86.3M | $20.1M | $440K | 0.47% | 4.45% | 0.77% | 7,137 |
| Q2 2025 | $126.0M | $101.8M | $87.8M | $20.0M | $377K | 0.60% | 4.43% | 0.81% | 7,276 |
| Q1 2025 | $126.8M | $103.3M | $90.1M | $19.9M | $221K | 0.70% | 4.42% | 0.42% | 7,317 |
| Q4 2024 | $129.9M | $101.0M | $89.8M | $19.6M | $774K | 0.60% | 4.15% | 0.56% | 7,370 |
| Q3 2024 | $133.4M | $101.2M | $90.8M | $19.5M | $484K | 0.48% | 4.01% | 0.61% | 7,483 |
| Q2 2024 | $130.4M | $103.0M | $88.0M | $19.3M | $350K | 0.54% | 4.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 7,540 |
Loan mix (Q1 2026): real estate $27.1M · commercial $28.0M · consumer $29.8M · securities $29.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.3% | 78.7% | 91th |
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.