| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.9% | +1.5 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.1 pts |
| ROA | 1.05% | 0.69% | +0.4 pts |
| ROE | 6.3% | 5.9% | +0.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $148.0M | $124.1M | $60.5M | $24.7M | $388K | 1.05% | 3.21% | 0.55% | 7,116 |
| Q4 2025 | $144.6M | $120.6M | $60.6M | $24.4M | $1.6M | 1.09% | 3.31% | 0.30% | 7,186 |
| Q3 2025 | $146.0M | $121.3M | $61.4M | $24.0M | $1.2M | 1.09% | 3.25% | 0.56% | 7,205 |
| Q2 2025 | $141.5M | $118.6M | $62.4M | $23.5M | $762K | 1.08% | 3.34% | 0.64% | 7,263 |
| Q1 2025 | $140.4M | $117.9M | $61.9M | $23.1M | $328K | 0.93% | 3.28% | 0.50% | 7,365 |
| Q4 2024 | $134.6M | $112.0M | $62.8M | $22.4M | $1.8M | 1.34% | 3.61% | 0.27% | 7,379 |
| Q3 2024 | $134.1M | $112.4M | $62.7M | $22.0M | $1.4M | 1.37% | 3.63% | 0.34% | 7,455 |
| Q2 2024 | $135.5M | $113.2M | $62.4M | $21.5M | $922K | 1.36% | 3.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 7,531 |
Loan mix (Q1 2026): real estate $40.6M · commercial $1.9M · consumer $15.0M · securities $63.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 78.7% | 26th |
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.