| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.1 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.4 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 8.0% | 5.9% | +2.0 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.5M | $111.8M | $59.0M | $13.5M | $269K | 0.85% | 4.00% | 0.20% | 9,639 |
| Q4 2025 | $125.9M | $111.3M | $59.9M | $13.2M | $1.3M | 1.02% | 3.99% | 0.27% | 9,676 |
| Q3 2025 | $123.8M | $109.8M | $59.6M | $12.6M | $669K | 0.72% | 3.99% | 0.32% | 9,719 |
| Q2 2025 | $122.3M | $108.5M | $59.6M | $12.3M | $323K | 0.53% | 3.99% | 0.26% | 9,741 |
| Q1 2025 | $121.8M | $108.8M | $59.9M | $12.0M | $19K | 0.06% | 3.89% | 0.25% | 9,812 |
| Q4 2024 | $119.5M | $106.3M | $61.2M | $11.9M | $890K | 0.74% | 3.85% | 0.67% | 9,860 |
| Q3 2024 | $119.4M | $106.1M | $61.3M | $11.7M | $628K | 0.70% | 3.73% | 0.54% | 9,945 |
| Q2 2024 | $119.2M | $105.6M | $61.0M | $11.3M | $241K | 0.40% | 3.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 9,977 |
Loan mix (Q1 2026): real estate $12.0M · commercial $0 · consumer $41.2M · securities $43.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 78.7% | 40th |
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.