| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.0 pts |
| Share growth (YoY) | -0.5% | +3.3% | -3.8 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.2 pts |
| ROA | 1.48% | 0.69% | +0.8 pts |
| ROE | 15.4% | 5.9% | +9.5 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $149.1M | $129.8M | $103.7M | $14.3M | $550K | 1.48% | 4.25% | 1.97% | 12,087 |
| Q4 2025 | $146.7M | $127.9M | $102.7M | $13.7M | $536K | 0.37% | 4.21% | 1.43% | 12,154 |
| Q3 2025 | $146.9M | $129.0M | $102.6M | $13.5M | $189K | 0.17% | 4.10% | 1.56% | 12,217 |
| Q2 2025 | $148.3M | $130.7M | $102.0M | $13.4M | $59K | 0.08% | 3.98% | 1.89% | 12,303 |
| Q1 2025 | $149.2M | $130.5M | $101.0M | $13.5M | $137K | 0.37% | 3.87% | 1.53% | 12,285 |
| Q4 2024 | $144.8M | $124.5M | $100.2M | $13.3M | $374K | 0.26% | 3.93% | 1.73% | 12,176 |
| Q3 2024 | $139.3M | $122.0M | $93.7M | $13.4M | $276K | 0.26% | 4.04% | 1.47% | 12,235 |
| Q2 2024 | $140.4M | $123.5M | $93.7M | $13.3M | $170K | 0.24% | 4.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.93% |
| 12,266 |
Loan mix (Q1 2026): real estate $44.3M · commercial $13.0M · consumer $42.9M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.7% | 36th |
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.