| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.2 pts |
| Share growth (YoY) | +8.2% | +3.3% | +4.9 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.5 pts |
| ROA | 0.67% | 0.69% | -0.0 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $144.8M | $125.8M | $83.1M | $17.8M | $241K | 0.67% | 3.71% | 0.72% | 8,792 |
| Q4 2025 | $139.9M | $121.3M | $82.5M | $17.6M | $1.3M | 0.96% | 3.77% | 1.01% | 8,742 |
| Q3 2025 | $136.2M | $117.9M | $84.5M | $17.4M | $1.1M | 1.07% | 3.84% | 0.82% | 8,769 |
| Q2 2025 | $134.9M | $116.7M | $80.1M | $17.1M | $805K | 1.19% | 3.84% | 0.95% | 8,777 |
| Q1 2025 | $133.9M | $116.4M | $77.3M | $16.7M | $408K | 1.22% | 3.80% | 0.31% | 8,812 |
| Q4 2024 | $128.4M | $111.6M | $79.2M | $16.3M | $1.5M | 1.19% | 3.88% | 0.48% | 8,806 |
| Q3 2024 | $124.9M | $108.4M | $80.7M | $16.0M | $1.1M | 1.21% | 3.96% | 0.46% | 8,833 |
| Q2 2024 | $125.2M | $108.9M | $76.7M | $15.7M | $792K | 1.27% | 3.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 8,840 |
Loan mix (Q1 2026): real estate $43.1M · commercial $4.4M · consumer $32.3M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 78.7% | 68th |
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.