| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.6 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | +6.1% | +2.9% | +3.2 pts |
| ROA | 1.03% | 0.69% | +0.3 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $142.8M | $127.2M | $90.8M | $15.2M | $369K | 1.03% | 2.99% | 0.22% | 8,166 |
| Q4 2025 | $139.7M | $124.4M | $91.0M | $14.8M | $1.3M | 0.96% | 2.80% | 0.47% | 8,141 |
| Q3 2025 | $137.1M | $122.1M | $90.0M | $14.5M | $1.1M | 1.04% | 2.77% | 0.78% | 8,124 |
| Q2 2025 | $136.3M | $121.6M | $88.8M | $14.1M | $632K | 0.93% | 2.65% | 0.95% | 8,066 |
| Q1 2025 | $139.6M | $125.5M | $85.5M | $13.7M | $217K | 0.62% | 2.39% | 0.21% | 8,029 |
| Q4 2024 | $137.1M | $123.1M | $85.4M | $13.5M | $381K | 0.28% | 2.05% | 0.77% | 7,999 |
| Q3 2024 | $136.4M | $122.5M | $82.6M | $13.5M | $412K | 0.40% | 2.09% | 0.14% | 7,957 |
| Q2 2024 | $135.2M | $121.4M | $83.4M | $13.5M | $394K | 0.58% | 2.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 7,940 |
Loan mix (Q1 2026): real estate $70.6M · commercial $0 · consumer $18.5M · securities $28.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 78.7% | 23th |
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.