| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.8 pts |
| Loan growth (YoY) | +6.1% | -2.4% | +8.4 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.9M | $83.4M | $50.5M | $9.5M | $139K | 0.59% | 4.54% | 2.35% | 9,575 |
| Q4 2025 | $93.8M | $83.5M | $52.1M | $9.5M | $303K | 0.32% | 4.23% | 2.34% | 9,677 |
| Q3 2025 | $87.8M | $77.8M | $46.9M | $9.1M | $167K | 0.25% | 4.44% | 2.57% | 8,427 |
| Q2 2025 | $88.5M | $78.4M | $47.7M | $9.0M | $96K | 0.22% | 4.28% | 2.72% | 8,894 |
| Q1 2025 | $87.4M | $77.6M | $47.6M | $9.0M | $32K | 0.15% | 4.31% | 1.15% | 9,014 |
| Q4 2024 | $86.2M | $76.5M | $48.7M | $9.1M | $186K | 0.22% | 4.37% | 1.41% | 9,075 |
| Q3 2024 | $85.3M | $76.0M | $48.6M | $9.0M | $111K | 0.17% | 4.40% | 1.60% | 9,227 |
| Q2 2024 | $86.4M | $76.3M | $49.1M | $9.0M | $70K | 0.16% | 4.32% | 1.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,270 |
Loan mix (Q1 2026): real estate $14.2M · commercial $14.8M · consumer $20.8M · securities $26.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 81.5% | 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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