| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | +9.6% | +2.9% | +6.7 pts |
| ROA | 1.99% | 0.69% | +1.3 pts |
| ROE | 14.8% | 5.9% | +8.9 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $118.9M | $102.4M | $87.5M | $16.0M | $592K | 1.99% | 4.23% | 0.29% | 6,485 |
| Q4 2025 | $120.0M | $104.1M | $85.3M | $15.4M | $2.0M | 1.67% | 3.92% | 0.57% | 6,467 |
| Q3 2025 | $113.3M | $97.9M | $85.8M | $14.8M | $1.4M | 1.68% | 4.04% | 0.78% | 6,442 |
| Q2 2025 | $113.8M | $98.9M | $84.4M | $14.3M | $868K | 1.53% | 3.92% | 0.88% | 6,436 |
| Q1 2025 | $113.1M | $98.7M | $79.8M | $13.9M | $486K | 1.72% | 3.80% | 0.78% | 6,403 |
| Q4 2024 | $111.6M | $97.5M | $77.6M | $13.4M | $1.4M | 1.30% | 3.60% | 0.30% | 6,379 |
| Q3 2024 | $106.6M | $92.7M | $79.1M | $13.4M | $1.4M | 1.81% | 3.66% | 0.38% | 6,402 |
| Q2 2024 | $103.8M | $90.1M | $78.6M | $12.9M | $928K | 1.79% | 3.68% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 6,382 |
Loan mix (Q1 2026): real estate $13.7M · commercial $18.0M · consumer $38.8M · securities $11.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 78.7% | 8th |
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.