| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.4% | +3.3% | +3.1 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +4.0 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 7.3% | 5.9% | +1.3 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $138.5M | $121.4M | $66.2M | $17.1M | $310K | 0.89% | 3.22% | 0.12% | 6,530 |
| Q4 2025 | $134.9M | $117.8M | $63.2M | $16.8M | $1.4M | 1.05% | 3.04% | 0.64% | 6,522 |
| Q3 2025 | $130.2M | $113.5M | $62.0M | $16.5M | $1.2M | 1.20% | 3.09% | 0.31% | 6,538 |
| Q2 2025 | $130.2M | $114.0M | $61.6M | $16.1M | $767K | 1.18% | 3.01% | 0.47% | 6,539 |
| Q1 2025 | $129.6M | $114.1M | $61.9M | $15.7M | $315K | 0.97% | 2.93% | 0.12% | 6,472 |
| Q4 2024 | $127.4M | $112.6M | $61.4M | $15.4M | $883K | 0.69% | 2.81% | 0.58% | 6,482 |
| Q3 2024 | $127.7M | $112.6M | $62.2M | $15.3M | $762K | 0.80% | 2.77% | 0.43% | 6,495 |
| Q2 2024 | $124.4M | $110.2M | $60.6M | $15.1M | $545K | 0.88% | 2.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 6,507 |
Loan mix (Q1 2026): real estate $41.3M · commercial $0 · consumer $21.8M · securities $46.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.0% | 78.7% | 41th |
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.