| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | +6.7% | +2.9% | +3.8 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 6.9% | 5.9% | +0.9 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $220.0M | $201.6M | $108.3M | $22.1M | $381K | 0.69% | 2.62% | 0.26% | 13,297 |
| Q4 2025 | $218.2M | $199.9M | $106.3M | $21.7M | $1.2M | 0.57% | 2.59% | 0.34% | 13,303 |
| Q3 2025 | $220.1M | $197.3M | $105.1M | $21.5M | $1.0M | 0.61% | 2.53% | 0.30% | 13,468 |
| Q2 2025 | $217.1M | $195.9M | $105.6M | $20.9M | $427K | 0.39% | 2.29% | 0.35% | 13,465 |
| Q1 2025 | $216.7M | $196.3M | $101.4M | $20.6M | $57K | 0.10% | 2.08% | 0.38% | 13,391 |
| Q4 2024 | $208.9M | $190.3M | $102.0M | $20.5M | $200K | 0.10% | 2.02% | 0.48% | 13,344 |
| Q3 2024 | $206.0M | $185.5M | $100.3M | $20.4M | $108K | 0.07% | 1.98% | 0.44% | 13,455 |
| Q2 2024 | $204.6M | $185.4M | $98.9M | $20.5M | $192K | 0.19% | 1.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 13,521 |
Loan mix (Q1 2026): real estate $8.1M · commercial $1.9M · consumer $96.5M · securities $96.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 78.7% | 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.