| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +15.8% | -2.4% | +18.2 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.9M | $74.7M | $60.6M | $8.9M | $150K | 0.71% | 4.15% | 0.74% | 7,435 |
| Q4 2025 | $83.8M | $74.0M | $60.4M | $8.7M | $743K | 0.89% | 4.05% | 0.74% | 7,386 |
| Q3 2025 | $81.9M | $72.2M | $57.6M | $8.7M | $633K | 1.03% | 4.10% | 0.70% | 7,393 |
| Q2 2025 | $83.4M | $73.9M | $57.1M | $8.6M | $509K | 1.22% | 3.92% | 0.59% | 7,318 |
| Q1 2025 | $84.0M | $74.8M | $52.3M | $8.4M | $316K | 1.51% | 3.78% | 0.41% | 7,242 |
| Q4 2024 | $78.5M | $69.5M | $52.6M | $8.1M | $681K | 0.87% | 3.84% | 0.59% | 7,500 |
| Q3 2024 | $75.8M | $67.5M | $53.4M | $8.2M | $653K | 1.15% | 3.94% | 0.81% | 7,478 |
| Q2 2024 | $73.6M | $65.1M | $54.3M | $7.9M | $431K | 1.17% | 3.96% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,442 |
Loan mix (Q1 2026): real estate $12.2M · commercial $0 · consumer $39.7M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 81.5% | 46th |
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.