| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | -0.4% | +2.9% | -3.4 pts |
| ROA | 1.22% | 0.69% | +0.5 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $145.8M | $115.9M | $74.4M | $29.4M | $443K | 1.22% | 3.54% | 1.33% | 7,377 |
| Q4 2025 | $143.1M | $113.7M | $75.1M | $28.9M | $1.6M | 1.13% | 3.46% | 1.29% | 7,330 |
| Q3 2025 | $141.5M | $114.2M | $74.3M | $28.5M | $1.2M | 1.13% | 3.44% | 1.17% | 7,297 |
| Q2 2025 | $140.6M | $113.9M | $75.0M | $28.0M | $721K | 1.03% | 3.30% | 1.22% | 7,218 |
| Q1 2025 | $141.7M | $115.4M | $74.7M | $27.6M | $297K | 0.84% | 3.13% | 1.25% | 7,137 |
| Q4 2024 | $139.3M | $113.3M | $75.3M | $27.3M | $1.4M | 1.01% | 3.13% | 1.30% | 7,070 |
| Q3 2024 | $137.2M | $110.3M | $75.5M | $27.0M | $1.1M | 1.08% | 3.22% | 1.78% | 6,997 |
| Q2 2024 | $136.9M | $110.5M | $75.0M | $27.0M | $724K | 1.06% | 3.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 6,989 |
Loan mix (Q1 2026): real estate $35.1M · commercial $269K · consumer $24.8M · securities $34.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 78.7% | 29th |
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.