| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +3.9% | -2.8 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 7.6% | 5.9% | +1.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.3M | $114.2M | $96.6M | $14.8M | $282K | 0.89% | 4.85% | 0.28% | 15,405 |
| Q4 2025 | $125.2M | $112.6M | $97.9M | $14.5M | $679K | 0.54% | 4.81% | 0.28% | 15,345 |
| Q3 2025 | $123.9M | $111.7M | $97.7M | $15.1M | $300K | 0.32% | 4.77% | 0.36% | 15,276 |
| Q2 2025 | $124.9M | $112.6M | $96.5M | $14.9M | $370K | 0.59% | 4.63% | 0.43% | 15,190 |
| Q1 2025 | $124.9M | $112.8M | $94.0M | $14.7M | $153K | 0.49% | 4.50% | 0.59% | 14,961 |
| Q4 2024 | $122.9M | $110.4M | $95.6M | $14.5M | $735K | 0.60% | 4.53% | 0.71% | 14,843 |
| Q3 2024 | $121.9M | $110.3M | $97.6M | $15.1M | $517K | 0.56% | 4.54% | 0.56% | 14,657 |
| Q2 2024 | $121.9M | $111.1M | $98.3M | $14.8M | $285K | 0.47% | 4.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 14,473 |
Loan mix (Q1 2026): real estate $9.9M · commercial $0 · consumer $81.2M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 78.7% | 51th |
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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