| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +3.9% | +4.4 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.2 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 5.8% | 5.9% | -0.1 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.7M | $97.0M | $64.5M | $20.0M | $290K | 0.99% | 4.18% | 0.22% | 15,617 |
| Q4 2025 | $114.1M | $93.8M | $66.9M | $19.7M | $1.3M | 1.17% | 4.42% | 0.31% | 15,489 |
| Q3 2025 | $112.8M | $92.7M | $66.6M | $19.3M | $942K | 1.11% | 4.44% | 0.22% | 11,173 |
| Q2 2025 | $111.1M | $91.3M | $66.4M | $19.0M | $621K | 1.12% | 4.44% | 0.27% | 11,074 |
| Q1 2025 | $108.7M | $89.3M | $65.3M | $18.6M | $236K | 0.87% | 4.42% | 0.25% | 11,304 |
| Q4 2024 | $103.5M | $84.4M | $65.5M | $18.3M | $1.3M | 1.24% | 4.65% | 0.66% | 11,232 |
| Q3 2024 | $103.3M | $84.5M | $66.1M | $18.0M | $970K | 1.25% | 4.64% | 0.30% | 11,218 |
| Q2 2024 | $103.5M | $83.8M | $66.6M | $17.7M | $614K | 1.19% | 4.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 11,113 |
Loan mix (Q1 2026): real estate $13.1M · commercial $0 · consumer $45.6M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.7% | 57th |
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.