| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -1.9 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | -5.7% | +2.9% | -8.7 pts |
| ROA | 1.20% | 0.69% | +0.5 pts |
| ROE | 9.3% | 5.9% | +3.4 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.9M | $136.4M | $80.2M | $20.2M | $471K | 1.20% | 3.70% | 0.56% | 11,827 |
| Q4 2025 | $156.0M | $135.9M | $82.0M | $19.7M | $686K | 0.44% | 3.75% | 0.61% | 11,704 |
| Q3 2025 | $151.1M | $131.3M | $83.7M | $20.1M | $1.0M | 0.92% | 3.87% | 0.78% | 11,732 |
| Q2 2025 | $152.0M | $132.9M | $85.1M | $19.7M | $643K | 0.85% | 3.83% | 0.47% | 11,735 |
| Q1 2025 | $153.9M | $134.9M | $85.0M | $19.4M | $343K | 0.89% | 3.75% | 0.20% | 12,094 |
| Q4 2024 | $148.9M | $130.1M | $86.1M | $19.0M | $1.5M | 0.98% | 3.84% | 0.46% | 12,095 |
| Q3 2024 | $149.8M | $131.5M | $86.0M | $18.7M | $1.1M | 1.01% | 3.80% | 0.49% | 12,054 |
| Q2 2024 | $149.8M | $132.2M | $86.3M | $18.4M | $802K | 1.07% | 3.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 12,076 |
Loan mix (Q1 2026): real estate $31.6M · commercial $0 · consumer $45.3M · securities $52.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 78.7% | 43th |
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.