| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | -3.4% | +2.9% | -6.3 pts |
| ROA | 1.88% | 0.69% | +1.2 pts |
| ROE | 10.2% | 5.9% | +4.3 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.2M | $106.3M | $44.9M | $23.9M | $612K | 1.88% | 4.39% | 0.91% | 7,656 |
| Q4 2025 | $126.8M | $103.3M | $45.7M | $23.3M | $2.3M | 1.81% | 4.14% | 1.06% | 7,710 |
| Q3 2025 | $127.2M | $104.5M | $46.0M | $22.8M | $1.8M | 1.88% | 4.13% | 0.92% | 7,940 |
| Q2 2025 | $127.0M | $105.5M | $46.1M | $22.2M | $1.6M | 2.50% | 4.09% | 0.22% | 7,901 |
| Q1 2025 | $124.7M | $103.9M | $46.5M | $21.6M | $643K | 2.06% | 3.97% | 0.24% | 7,979 |
| Q4 2024 | $122.7M | $103.1M | $48.4M | $21.0M | $2.1M | 1.74% | 4.16% | 1.50% | 8,039 |
| Q3 2024 | $125.8M | $105.8M | $49.6M | $20.5M | $1.7M | 1.77% | 4.04% | 1.14% | 8,141 |
| Q2 2024 | $124.6M | $105.7M | $50.1M | $20.0M | $1.1M | 1.83% | 4.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.20% |
| 8,195 |
Loan mix (Q1 2026): real estate $18.9M · commercial $0 · consumer $22.0M · securities $67.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 78.7% | 14th |
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.