| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | +9.6% | +2.9% | +6.7 pts |
| ROA | 0.81% | 0.69% | +0.1 pts |
| ROE | 6.8% | 5.9% | +0.8 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $183.6M | $160.6M | $107.7M | $21.9M | $370K | 0.81% | 3.07% | 0.85% | 9,394 |
| Q4 2025 | $182.9M | $159.4M | $106.2M | $21.5M | $1.4M | 0.79% | 2.85% | 1.10% | 9,369 |
| Q3 2025 | $175.2M | $152.7M | $103.6M | $21.3M | $1.0M | 0.77% | 2.91% | 1.20% | 9,348 |
| Q2 2025 | $176.4M | $154.3M | $101.1M | $20.8M | $592K | 0.67% | 2.80% | 0.68% | 9,366 |
| Q1 2025 | $173.3M | $151.5M | $98.2M | $20.5M | $245K | 0.57% | 2.75% | 0.85% | 9,352 |
| Q4 2024 | $163.6M | $141.7M | $98.2M | $20.2M | $1.4M | 0.83% | 2.86% | 0.92% | 9,383 |
| Q3 2024 | $159.9M | $138.5M | $98.4M | $20.1M | $1.0M | 0.86% | 2.88% | 0.78% | 9,402 |
| Q2 2024 | $155.5M | $134.2M | $98.1M | $19.7M | $630K | 0.81% | 2.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.07% |
| 9,412 |
Loan mix (Q1 2026): real estate $7.3M · commercial $0 · consumer $94.8M · securities $31.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 78.7% | 33th |
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.