| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.1% | +3.3% | +2.8 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.8 pts |
| ROA | 1.35% | 0.69% | +0.7 pts |
| ROE | 8.6% | 5.9% | +2.6 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $188.4M | $157.2M | $89.7M | $29.7M | $637K | 1.35% | 4.17% | 1.98% | 20,753 |
| Q4 2025 | $181.1M | $150.2M | $91.4M | $29.0M | $2.7M | 1.49% | 4.30% | 2.76% | 20,527 |
| Q3 2025 | $177.5M | $147.4M | $91.0M | $28.6M | $2.2M | 1.67% | 4.36% | 2.67% | 20,461 |
| Q2 2025 | $174.6M | $145.5M | $89.9M | $27.4M | $1.0M | 1.15% | 4.34% | 2.71% | 20,233 |
| Q1 2025 | $176.3M | $148.2M | $88.7M | $26.9M | $551K | 1.25% | 4.27% | 2.94% | 20,310 |
| Q4 2024 | $168.6M | $142.6M | $90.6M | $26.4M | $1.6M | 0.95% | 4.31% | 3.26% | 20,037 |
| Q3 2024 | $168.7M | $142.1M | $91.2M | $26.1M | $1.4M | 1.08% | 4.29% | 2.88% | 19,844 |
| Q2 2024 | $172.3M | $146.5M | $91.7M | $25.9M | $1.1M | 1.31% | 4.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.27% |
| 19,658 |
Loan mix (Q1 2026): real estate $28.5M · commercial $1.6M · consumer $55.6M · securities $49.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.7% | 45th |
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.