| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.9% | -3.6 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.3 pts |
| ROA | 1.81% | 0.69% | +1.1 pts |
| ROE | 16.7% | 5.9% | +10.8 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $113.2M | $99.2M | $53.8M | $12.2M | $511K | 1.81% | 4.33% | 0.44% | 7,745 |
| Q4 2025 | $111.0M | $98.5M | $54.6M | $11.7M | $1.2M | 1.10% | 3.64% | 0.52% | 7,799 |
| Q3 2025 | $110.3M | $98.0M | $54.3M | $11.3M | $806K | 0.97% | 3.62% | 0.42% | 7,907 |
| Q2 2025 | $111.2M | $99.4M | $53.7M | $11.1M | $580K | 1.04% | 3.57% | 0.69% | 7,946 |
| Q1 2025 | $112.8M | $101.2M | $53.5M | $10.7M | $255K | 0.90% | 3.66% | 0.43% | 7,993 |
| Q4 2024 | $110.1M | $99.1M | $53.9M | $10.5M | $541K | 0.49% | 3.12% | 0.44% | 8,887 |
| Q3 2024 | $107.2M | $96.6M | $53.6M | $10.4M | $487K | 0.61% | 3.20% | 0.34% | 8,995 |
| Q2 2024 | $109.6M | $99.1M | $53.0M | $10.3M | $388K | 0.71% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 9,086 |
Loan mix (Q1 2026): real estate $16.4M · commercial $381K · consumer $26.7M · securities $39.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 78.7% | 23th |
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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