| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.4% | +3.9% | +13.5 pts |
| Share growth (YoY) | +16.6% | +3.3% | +13.3 pts |
| Loan growth (YoY) | -3.4% | +2.9% | -6.3 pts |
| ROA | 1.10% | 0.69% | +0.4 pts |
| ROE | 6.7% | 5.9% | +0.7 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $145.5M | $122.2M | $52.2M | $24.0M | $399K | 1.10% | 3.84% | 1.84% | 11,392 |
| Q4 2025 | $142.3M | $118.8M | $54.1M | $23.6M | $1.3M | 0.90% | 3.88% | 0.91% | 11,264 |
| Q3 2025 | $142.8M | $119.4M | $56.3M | $23.5M | $1.2M | 1.11% | 3.77% | 1.75% | 11,302 |
| Q2 2025 | $144.1M | $121.5M | $57.3M | $23.1M | $828K | 1.15% | 3.61% | 2.21% | 11,297 |
| Q1 2025 | $123.9M | $104.8M | $54.0M | $19.5M | $281K | 0.91% | 3.73% | 2.09% | 8,893 |
| Q4 2024 | $119.6M | $101.7M | $54.2M | $19.2M | $1.6M | 1.37% | 4.28% | 0.86% | 8,698 |
| Q3 2024 | $121.0M | $102.4M | $54.1M | $19.0M | $1.4M | 1.57% | 4.28% | 1.50% | 8,640 |
| Q2 2024 | $159.3M | $105.6M | $54.3M | $18.8M | $1.2M | 1.54% | 3.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.79% |
| 8,465 |
Loan mix (Q1 2026): real estate $28.6M · commercial $10.9M · consumer $12.3M · securities $53.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.7% | 45th |
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.