| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +6.9% | +3.3% | +3.6 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | 0.26% | 0.69% | -0.4 pts |
| ROE | 2.3% | 5.9% | -3.7 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $169.2M | $148.1M | $95.8M | $19.3M | $111K | 0.26% | 3.49% | 1.02% | 16,646 |
| Q4 2025 | $165.0M | $144.4M | $94.9M | $19.3M | $539K | 0.33% | 3.57% | 1.01% | 16,677 |
| Q3 2025 | $162.7M | $141.7M | $95.8M | $19.2M | $475K | 0.39% | 3.60% | 1.25% | 16,695 |
| Q2 2025 | $161.5M | $141.1M | $94.3M | $19.0M | $303K | 0.38% | 3.57% | 0.93% | 16,697 |
| Q1 2025 | $158.9M | $138.6M | $95.3M | $18.9M | $140K | 0.35% | 3.57% | 0.99% | 16,713 |
| Q4 2024 | $153.5M | $134.0M | $96.9M | $18.8M | $831K | 0.54% | 3.62% | 1.03% | 16,690 |
| Q3 2024 | $154.7M | $134.9M | $98.7M | $18.5M | $587K | 0.51% | 3.56% | 0.89% | 16,706 |
| Q2 2024 | $156.0M | $137.2M | $100.2M | $18.6M | $337K | 0.43% | 3.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 16,754 |
Loan mix (Q1 2026): real estate $30.0M · commercial $3.1M · consumer $53.9M · securities $45.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 78.7% | 87th |
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.