| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +8.6% | +0.7% | +7.9 pts |
| Loan growth (YoY) | -0.5% | -2.4% | +1.8 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.4M | $80.2M | $42.9M | $8.2M | $155K | 0.69% | 4.11% | 0.37% | 5,974 |
| Q4 2025 | $89.2M | $80.2M | $42.2M | $8.0M | $845K | 0.95% | 4.00% | 0.20% | 5,976 |
| Q3 2025 | $88.9M | $79.9M | $43.7M | $7.8M | $680K | 1.02% | 3.99% | 0.27% | 5,992 |
| Q2 2025 | $86.9M | $77.2M | $43.7M | $7.5M | $376K | 0.87% | 3.96% | 0.22% | 5,933 |
| Q1 2025 | $83.3M | $73.8M | $43.2M | $7.2M | $47K | 0.23% | 3.86% | 0.11% | 5,901 |
| Q4 2024 | $79.0M | $69.5M | $42.3M | $7.2M | $771K | 0.98% | 4.09% | 0.83% | 5,840 |
| Q3 2024 | $71.7M | $64.3M | $37.9M | $6.1M | $572K | 1.06% | 4.53% | 1.03% | 5,308 |
| Q2 2024 | $69.0M | $61.5M | $38.2M | $5.9M | $462K | 1.34% | 4.81% | 0.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,223 |
Loan mix (Q1 2026): real estate $10.0M · commercial $6.1M · consumer $23.8M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 81.5% | 66th |
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.