| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | 0.23% | 0.69% | -0.5 pts |
| ROE | 2.9% | 5.9% | -3.1 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $146.9M | $133.7M | $122.4M | $12.1M | $86K | 0.23% | 5.56% | 1.80% | 13,807 |
| Q4 2025 | $146.6M | $133.0M | $123.4M | $12.0M | $1.4M | 0.97% | 5.54% | 1.38% | 13,650 |
| Q3 2025 | $148.0M | $135.3M | $120.5M | $11.6M | $1.1M | 0.95% | 5.33% | 1.32% | 13,573 |
| Q2 2025 | $145.3M | $134.0M | $119.9M | $11.4M | $877K | 1.21% | 5.30% | 1.31% | 13,441 |
| Q1 2025 | $140.5M | $129.1M | $117.3M | $11.3M | $697K | 1.99% | 5.33% | 1.01% | 13,347 |
| Q4 2024 | $136.1M | $125.0M | $116.1M | $10.6M | $1.0M | 0.75% | 5.44% | 1.21% | 13,263 |
| Q3 2024 | $131.1M | $120.0M | $117.3M | $10.2M | $640K | 0.65% | 5.52% | 0.99% | 13,182 |
| Q2 2024 | $128.0M | $116.6M | $117.6M | $10.0M | $497K | 0.78% | 5.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.13% |
| 13,052 |
Loan mix (Q1 2026): real estate $72.5M · commercial $6.4M · consumer $27.6M · securities $2.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 78.7% | 77th |
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.