| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | +20.7% | +2.9% | +17.8 pts |
| ROA | 0.60% | 0.69% | -0.1 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $159.9M | $140.9M | $96.5M | $17.8M | $241K | 0.60% | 3.81% | 1.15% | 13,506 |
| Q4 2025 | $156.1M | $137.3M | $91.9M | $17.5M | $1.2M | 0.79% | 3.73% | 1.38% | 13,486 |
| Q3 2025 | $153.4M | $135.1M | $85.8M | $17.2M | $880K | 0.77% | 3.81% | 1.13% | 13,873 |
| Q2 2025 | $156.4M | $137.7M | $83.7M | $17.0M | $659K | 0.84% | 3.66% | 0.92% | 14,039 |
| Q1 2025 | $155.4M | $137.0M | $79.9M | $16.6M | $231K | 0.59% | 3.50% | 1.15% | 14,510 |
| Q4 2024 | $147.7M | $130.1M | $80.4M | $16.3M | $1.5M | 1.04% | 3.45% | 1.35% | 14,346 |
| Q3 2024 | $145.5M | $128.0M | $81.5M | $15.9M | $1.2M | 1.05% | 3.49% | 1.87% | 14,295 |
| Q2 2024 | $146.3M | $128.9M | $81.9M | $15.7M | $834K | 1.14% | 3.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 14,423 |
Loan mix (Q1 2026): real estate $66.1M · commercial $265K · consumer $29.8M · securities $48.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 78.7% | 60th |
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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