| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | -3.5% | +2.9% | -6.4 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $239.1M | $205.2M | $177.7M | $31.6M | $530K | 0.89% | 3.88% | 0.48% | 15,013 |
| Q4 2025 | $233.0M | $200.5M | $182.3M | $31.1M | $1.9M | 0.82% | 3.77% | 0.58% | 15,150 |
| Q3 2025 | $233.3M | $201.0M | $186.9M | $30.6M | $1.3M | 0.72% | 3.68% | 0.58% | 14,996 |
| Q2 2025 | $234.8M | $203.5M | $185.3M | $30.1M | $731K | 0.62% | 3.57% | 0.23% | 14,659 |
| Q1 2025 | $238.7M | $208.1M | $184.0M | $29.5M | $101K | 0.17% | 3.39% | 0.19% | 14,659 |
| Q4 2024 | $234.2M | $204.0M | $186.7M | $29.4M | $1.5M | 0.62% | 3.07% | 0.30% | 14,522 |
| Q3 2024 | $235.5M | $206.5M | $185.4M | $29.2M | $1.0M | 0.58% | 2.94% | 0.50% | 14,621 |
| Q2 2024 | $241.2M | $213.0M | $185.7M | $28.3M | $169K | 0.14% | 2.73% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 14,740 |
Loan mix (Q1 2026): real estate $65.3M · commercial $35.1M · consumer $68.4M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 78.7% | 52th |
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.