| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +10.2% | +2.9% | +7.3 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 2.7% | 5.9% | -3.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $161.7M | $152.0M | $96.0M | $17.3M | $118K | 0.29% | 3.17% | 0.22% | 11,003 |
| Q4 2025 | $160.0M | $150.3M | $95.9M | $17.2M | $1.6M | 0.97% | 3.72% | 0.27% | 11,200 |
| Q3 2025 | $155.8M | $147.4M | $94.0M | $16.2M | $478K | 0.41% | 3.22% | 0.37% | 11,192 |
| Q2 2025 | $155.9M | $148.8M | $91.5M | $15.9M | $205K | 0.26% | 3.18% | 0.22% | 11,234 |
| Q1 2025 | $155.0M | $148.2M | $87.1M | $15.8M | $28K | 0.07% | 3.05% | 0.20% | 11,191 |
| Q4 2024 | $152.8M | $147.4M | $81.9M | $15.7M | $670K | 0.44% | 3.22% | 0.25% | 11,145 |
| Q3 2024 | $151.8M | $144.6M | $79.0M | $15.5M | $259K | 0.23% | 2.99% | 0.17% | 11,096 |
| Q2 2024 | $153.3M | $148.3M | $75.1M | $15.4M | $211K | 0.28% | 2.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 11,000 |
Loan mix (Q1 2026): real estate $13.8M · commercial $0 · consumer $80.5M · securities $42.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 78.7% | 83th |
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% |
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