| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +3.9% | -2.7 pts |
| Share growth (YoY) | -0.1% | +3.3% | -3.4 pts |
| Loan growth (YoY) | -5.1% | +2.9% | -8.0 pts |
| ROA | 1.28% | 0.69% | +0.6 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $103.3M | $88.2M | $52.6M | $14.3M | $330K | 1.28% | 4.79% | 0.49% | 9,980 |
| Q4 2025 | $98.7M | $84.0M | $53.2M | $13.9M | $1.3M | 1.36% | 5.04% | 0.67% | 10,049 |
| Q3 2025 | $100.5M | $85.9M | $54.3M | $13.7M | $1.1M | 1.48% | 4.95% | 0.77% | 10,180 |
| Q2 2025 | $100.4M | $86.1M | $55.1M | $13.3M | $716K | 1.43% | 4.89% | 0.63% | 10,263 |
| Q1 2025 | $102.1M | $88.3M | $55.4M | $12.9M | $296K | 1.16% | 4.72% | 0.51% | 10,439 |
| Q4 2024 | $100.7M | $87.2M | $54.6M | $12.6M | $1.3M | 1.32% | 4.62% | 0.47% | 10,488 |
| Q3 2024 | $102.1M | $88.9M | $52.7M | $12.4M | $1.1M | 1.44% | 4.49% | 0.71% | 10,484 |
| Q2 2024 | $103.7M | $90.1M | $53.1M | $12.0M | $717K | 1.38% | 4.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 10,506 |
Loan mix (Q1 2026): real estate $2.3M · commercial $662K · consumer $48.8M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 46th |
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% |
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