| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.1 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.4M | $82.4M | $78.8M | $11.3M | $158K | 0.67% | 5.07% | 1.81% | 4,185 |
| Q4 2025 | $97.9M | $85.8M | $80.8M | $11.1M | $270K | 0.28% | 4.49% | 1.36% | 4,241 |
| Q3 2025 | $93.9M | $79.2M | $84.7M | $10.9M | $111K | 0.16% | 4.60% | 1.10% | 4,298 |
| Q2 2025 | $91.5M | $79.3M | $82.0M | $10.8M | $-56K | -0.12% | 4.46% | 1.87% | 4,297 |
| Q1 2025 | $92.6M | $80.0M | $76.7M | $10.9M | $85K | 0.37% | 4.36% | 0.66% | 4,272 |
| Q4 2024 | $93.4M | $81.6M | $77.1M | $10.9M | $555K | 0.59% | 4.04% | 0.99% | 4,245 |
| Q3 2024 | $88.2M | $76.4M | $76.6M | $10.9M | $570K | 0.86% | 4.20% | 1.03% | 4,246 |
| Q2 2024 | $87.6M | $75.9M | $76.5M | $10.8M | $472K | 1.08% | 4.24% | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,321 |
Loan mix (Q1 2026): real estate $21.8M · commercial $28.1M · consumer $22.8M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 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% |
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