| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.1 pts |
| ROA | 0.53% | 0.69% | -0.2 pts |
| ROE | 5.6% | 5.9% | -0.3 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.4M | $111.3M | $85.3M | $12.1M | $171K | 0.53% | 3.73% | 1.16% | 7,194 |
| Q4 2025 | $130.5M | $110.9M | $86.1M | $11.9M | $783K | 0.60% | 3.38% | 1.14% | 7,197 |
| Q3 2025 | $126.9M | $108.3M | $83.2M | $11.7M | $545K | 0.57% | 3.35% | 1.40% | 7,224 |
| Q2 2025 | $126.1M | $107.4M | $84.6M | $11.5M | $330K | 0.52% | 3.35% | 1.19% | 7,461 |
| Q1 2025 | $122.6M | $105.6M | $83.7M | $11.3M | $167K | 0.54% | 3.35% | 0.88% | 7,435 |
| Q4 2024 | $120.3M | $102.1M | $86.0M | $11.1M | $559K | 0.46% | 3.01% | 0.93% | 7,444 |
| Q3 2024 | $120.0M | $100.8M | $86.1M | $11.0M | $388K | 0.43% | 2.96% | 0.97% | 7,394 |
| Q2 2024 | $119.2M | $100.2M | $87.7M | $10.9M | $259K | 0.44% | 2.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 7,422 |
Loan mix (Q1 2026): real estate $18.9M · commercial $856K · consumer $60.5M · securities $27.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 78.7% | 13th |
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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