| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +3.9% | +3.3 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.0 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 8.6% | 5.9% | +2.7 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.2M | $105.4M | $79.3M | $10.5M | $226K | 0.77% | 3.19% | 0.62% | 6,094 |
| Q4 2025 | $115.8M | $104.5M | $80.5M | $10.3M | $938K | 0.81% | 3.17% | 0.90% | 6,081 |
| Q3 2025 | $117.3M | $105.8M | $79.7M | $10.0M | $656K | 0.75% | 3.05% | 0.53% | 5,979 |
| Q2 2025 | $115.1M | $104.0M | $78.3M | $9.8M | $551K | 0.96% | 3.29% | 1.05% | 5,909 |
| Q1 2025 | $109.3M | $98.8M | $77.8M | $9.5M | $173K | 0.63% | 3.09% | 1.21% | 5,877 |
| Q4 2024 | $109.1M | $98.7M | $79.9M | $9.4M | $1.0M | 0.95% | 3.11% | 0.95% | 5,884 |
| Q3 2024 | $110.2M | $100.0M | $82.7M | $9.0M | $719K | 0.87% | 3.00% | 0.91% | 5,931 |
| Q2 2024 | $109.2M | $99.2M | $84.8M | $8.8M | $450K | 0.82% | 2.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.97% |
| 5,898 |
Loan mix (Q1 2026): real estate $55.7M · commercial $0 · consumer $17.9M · securities $24.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 78.7% | 47th |
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.