| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.9% | +3.8 pts |
| Share growth (YoY) | +7.8% | +3.3% | +4.5 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +1.9 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 7.0% | 5.9% | +1.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $186.0M | $162.8M | $107.0M | $21.1M | $369K | 0.79% | 3.23% | 1.48% | 11,186 |
| Q4 2025 | $188.0M | $165.3M | $107.3M | $20.7M | $1.7M | 0.90% | 3.05% | 1.11% | 11,251 |
| Q3 2025 | $184.4M | $161.9M | $105.3M | $20.3M | $1.3M | 0.93% | 3.01% | 1.12% | 11,284 |
| Q2 2025 | $171.7M | $150.2M | $102.9M | $19.5M | $596K | 0.69% | 3.12% | 0.58% | 10,591 |
| Q1 2025 | $172.7M | $151.0M | $102.0M | $19.3M | $231K | 0.53% | 3.03% | 1.21% | 10,609 |
| Q4 2024 | $168.2M | $147.3M | $100.3M | $19.0M | $868K | 0.52% | 2.85% | 0.49% | 10,623 |
| Q3 2024 | $161.8M | $142.1M | $99.4M | $18.6M | $448K | 0.37% | 2.91% | 0.59% | 10,690 |
| Q2 2024 | $162.6M | $142.9M | $99.4M | $18.5M | $365K | 0.45% | 2.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 10,783 |
Loan mix (Q1 2026): real estate $34.7M · commercial $19.9M · consumer $43.1M · securities $41.0M
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.