| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.9% | -0.3 pts |
| Share growth (YoY) | +3.3% | +3.3% | -0.0 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.1 pts |
| ROA | 0.64% | 0.69% | -0.1 pts |
| ROE | 6.5% | 5.9% | +0.6 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $148.7M | $132.9M | $76.9M | $14.6M | $238K | 0.64% | 2.62% | 0.90% | 6,438 |
| Q4 2025 | $148.3M | $132.5M | $78.6M | $14.4M | $959K | 0.65% | 2.44% | 0.58% | 6,429 |
| Q3 2025 | $142.1M | $127.1M | $76.3M | $14.0M | $614K | 0.58% | 2.45% | 0.24% | 6,428 |
| Q2 2025 | $141.5M | $126.2M | $75.7M | $13.8M | $355K | 0.50% | 2.39% | 0.48% | 6,400 |
| Q1 2025 | $143.5M | $128.7M | $74.6M | $13.5M | $112K | 0.31% | 2.29% | 0.41% | 6,375 |
| Q4 2024 | $140.9M | $126.5M | $74.9M | $13.4M | $419K | 0.30% | 2.13% | 0.49% | 6,384 |
| Q3 2024 | $138.9M | $124.6M | $75.4M | $13.3M | $351K | 0.34% | 2.08% | 0.12% | 6,429 |
| Q2 2024 | $142.9M | $127.9M | $76.2M | $13.2M | $228K | 0.32% | 1.98% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 6,389 |
Loan mix (Q1 2026): real estate $44.8M · commercial $0 · consumer $23.9M · securities $58.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 78.7% | 32th |
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.