| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | -5.0% | +2.9% | -8.0 pts |
| ROA | 1.21% | 0.69% | +0.5 pts |
| ROE | 9.5% | 5.9% | +3.5 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.5M | $155.2M | $65.3M | $23.0M | $543K | 1.21% | 3.87% | 0.86% | 19,872 |
| Q4 2025 | $172.2M | $149.2M | $67.6M | $22.4M | $1.5M | 0.88% | 4.04% | 0.82% | 22,187 |
| Q3 2025 | $169.4M | $146.6M | $68.9M | $21.9M | $1.0M | 0.79% | 4.08% | 0.70% | 22,264 |
| Q2 2025 | $170.2M | $148.1M | $68.2M | $21.4M | $501K | 0.59% | 3.93% | 0.87% | 22,206 |
| Q1 2025 | $172.3M | $150.5M | $68.7M | $21.2M | $259K | 0.60% | 4.06% | 0.74% | 22,158 |
| Q4 2024 | $166.1M | $144.7M | $70.8M | $21.0M | $731K | 0.44% | 3.88% | 1.95% | 22,107 |
| Q3 2024 | $168.6M | $147.1M | $73.7M | $20.8M | $574K | 0.45% | 3.74% | 1.58% | 22,224 |
| Q2 2024 | $167.7M | $146.4M | $76.1M | $20.5M | $294K | 0.35% | 3.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.66% |
| 22,192 |
Loan mix (Q1 2026): real estate $28.1M · commercial $0 · consumer $34.6M · securities $78.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 45th |
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.