| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +12.3% | +2.9% | +9.4 pts |
| ROA | 0.70% | 0.69% | +0.0 pts |
| ROE | 4.7% | 5.9% | -1.2 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.1M | $121.7M | $43.1M | $21.3M | $251K | 0.70% | 2.41% | 0.36% | 6,460 |
| Q4 2025 | $140.0M | $118.7M | $40.2M | $21.0M | $1.4M | 0.99% | 2.62% | 0.54% | 6,473 |
| Q3 2025 | $136.9M | $116.0M | $40.4M | $20.8M | $1.2M | 1.13% | 2.69% | 0.35% | 6,500 |
| Q2 2025 | $136.0M | $115.2M | $38.7M | $20.6M | $914K | 1.34% | 2.73% | 0.16% | 5,347 |
| Q1 2025 | $136.2M | $116.0M | $38.3M | $20.0M | $377K | 1.11% | 2.48% | 0.15% | 5,301 |
| Q4 2024 | $137.7M | $117.7M | $37.7M | $19.6M | $1.9M | 1.41% | 2.79% | 0.26% | 5,262 |
| Q3 2024 | $135.9M | $116.5M | $37.4M | $19.2M | $1.5M | 1.46% | 1.40% | 0.40% | 5,291 |
| Q2 2024 | $135.6M | $116.5M | $35.8M | $18.8M | $1.1M | 1.62% | 1.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 5,318 |
Loan mix (Q1 2026): real estate $23.8M · commercial $0 · consumer $16.0M · securities $45.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 78.7% | 48th |
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.