| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.7 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | -6.1% | +2.9% | -9.0 pts |
| ROA | 2.12% | 0.69% | +1.4 pts |
| ROE | 9.7% | 5.9% | +3.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.5M | $101.3M | $42.5M | $28.3M | $687K | 2.12% | 3.61% | 0.04% | 9,378 |
| Q4 2025 | $127.4M | $100.0M | $41.9M | $27.6M | $2.9M | 2.27% | 3.71% | 0.30% | 9,397 |
| Q3 2025 | $125.0M | $98.7M | $43.8M | $27.2M | $2.4M | 2.56% | 3.78% | 0.10% | 9,448 |
| Q2 2025 | $125.8M | $100.3M | $45.0M | $26.5M | $1.7M | 2.70% | 3.68% | 0.12% | 9,549 |
| Q1 2025 | $125.4M | $100.9M | $45.3M | $25.4M | $593K | 1.89% | 3.61% | 0.12% | 9,593 |
| Q4 2024 | $119.9M | $96.0M | $46.8M | $24.8M | $1.9M | 1.59% | 3.86% | 0.32% | 9,654 |
| Q3 2024 | $117.6M | $95.2M | $46.5M | $24.4M | $1.5M | 1.66% | 3.95% | 0.43% | 9,683 |
| Q2 2024 | $119.7M | $97.4M | $47.7M | $23.9M | $984K | 1.65% | 3.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 9,811 |
Loan mix (Q1 2026): real estate $5.8M · commercial $0 · consumer $28.6M · securities $52.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 78.7% | 4th |
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.