| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +9.6% | +2.9% | +6.7 pts |
| ROA | 1.30% | 0.69% | +0.6 pts |
| ROE | 8.1% | 5.9% | +2.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.7M | $108.6M | $110.5M | $21.0M | $425K | 1.30% | 3.71% | 0.58% | 4,919 |
| Q4 2025 | $131.2M | $109.8M | $109.7M | $20.5M | $1.6M | 1.24% | 3.49% | 0.36% | 4,947 |
| Q3 2025 | $129.1M | $107.9M | $112.5M | $19.9M | $1.0M | 1.06% | 3.42% | 0.39% | 4,979 |
| Q2 2025 | $125.3M | $105.0M | $103.6M | $19.5M | $612K | 0.98% | 3.42% | 0.63% | 4,997 |
| Q1 2025 | $123.9M | $103.4M | $100.8M | $19.2M | $280K | 0.90% | 3.35% | 0.28% | 4,972 |
| Q4 2024 | $122.5M | $102.7M | $99.9M | $18.9M | $1.1M | 0.89% | 3.04% | 0.21% | 4,973 |
| Q3 2024 | $125.2M | $105.4M | $100.5M | $18.5M | $686K | 0.73% | 2.84% | 0.17% | 4,998 |
| Q2 2024 | $122.1M | $102.3M | $100.2M | $18.2M | $345K | 0.56% | 2.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 5,024 |
Loan mix (Q1 2026): real estate $75.2M · commercial $19.3M · consumer $10.9M · securities $6.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 78.7% | 24th |
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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