| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 7.3% | 5.9% | +1.3 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.8M | $114.8M | $76.5M | $16.3M | $297K | 0.92% | 3.86% | 0.53% | 8,145 |
| Q4 2025 | $129.3M | $113.9M | $77.1M | $16.0M | $1.6M | 1.24% | 3.87% | 0.82% | 8,268 |
| Q3 2025 | $125.9M | $111.4M | $77.3M | $15.6M | $1.2M | 1.28% | 3.96% | 0.82% | 8,278 |
| Q2 2025 | $124.9M | $111.7M | $77.1M | $15.3M | $1.5M | 2.39% | 5.06% | 0.65% | 8,342 |
| Q1 2025 | $124.0M | $111.3M | $75.9M | $14.8M | $407K | 1.31% | 4.00% | 0.55% | 8,300 |
| Q4 2024 | $121.8M | $109.7M | $75.8M | $14.5M | $1.6M | 1.29% | 4.05% | 0.40% | 8,335 |
| Q3 2024 | $118.3M | $106.3M | $76.4M | $13.6M | $1.1M | 1.24% | 4.15% | 0.57% | 8,467 |
| Q2 2024 | $120.1M | $107.6M | $75.3M | $13.2M | $697K | 1.16% | 4.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 8,517 |
Loan mix (Q1 2026): real estate $33.4M · commercial $0 · consumer $40.1M · securities $33.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 78.7% | 31th |
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.