| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.9% | +3.4 pts |
| Share growth (YoY) | +7.1% | +3.3% | +3.8 pts |
| Loan growth (YoY) | +6.5% | +2.9% | +3.6 pts |
| ROA | 0.75% | 0.69% | +0.1 pts |
| ROE | 7.9% | 5.9% | +1.9 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $121.4M | $108.8M | $74.5M | $11.5M | $226K | 0.75% | 3.63% | 0.44% | 9,134 |
| Q4 2025 | $117.4M | $104.7M | $73.8M | $11.2M | $838K | 0.71% | 3.52% | 0.21% | 9,078 |
| Q3 2025 | $119.2M | $107.5M | $72.2M | $11.0M | $598K | 0.67% | 3.38% | 1.19% | 9,060 |
| Q2 2025 | $112.6M | $100.9M | $71.3M | $10.8M | $382K | 0.68% | 3.47% | 0.16% | 9,026 |
| Q1 2025 | $113.1M | $101.6M | $69.9M | $10.6M | $192K | 0.68% | 3.36% | 0.14% | 9,003 |
| Q4 2024 | $110.0M | $98.0M | $71.2M | $10.4M | $660K | 0.60% | 3.33% | 0.34% | 9,049 |
| Q3 2024 | $109.3M | $98.1M | $71.7M | $10.2M | $461K | 0.56% | 3.31% | 0.25% | 9,089 |
| Q2 2024 | $106.2M | $95.2M | $70.3M | $10.0M | $294K | 0.55% | 3.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 9,095 |
Loan mix (Q1 2026): real estate $39.2M · commercial $7.9M · consumer $25.8M · securities $29.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 71th |
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.