| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.3 pts |
| Share growth (YoY) | +5.1% | +3.3% | +1.8 pts |
| Loan growth (YoY) | +1.8% | +2.9% | -1.2 pts |
| ROA | 0.23% | 0.69% | -0.5 pts |
| ROE | 2.0% | 5.9% | -4.0 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.0M | $132.8M | $108.5M | $17.8M | $88K | 0.23% | 4.27% | 0.89% | 19,075 |
| Q4 2025 | $147.3M | $128.5M | $111.0M | $17.7M | $1.1M | 0.77% | 4.25% | 1.08% | 18,722 |
| Q3 2025 | $145.5M | $127.7M | $108.0M | $17.5M | $725K | 0.66% | 4.25% | 0.82% | 18,803 |
| Q2 2025 | $145.4M | $127.6M | $108.2M | $17.1M | $297K | 0.41% | 4.16% | 1.31% | 18,360 |
| Q1 2025 | $143.5M | $126.4M | $106.6M | $16.8M | $-56K | -0.16% | 4.13% | 0.89% | 18,184 |
| Q4 2024 | $141.6M | $123.5M | $107.6M | $16.8M | $1.1M | 0.81% | 4.12% | 0.93% | 17,860 |
| Q3 2024 | $143.1M | $125.8M | $103.9M | $16.8M | $887K | 0.83% | 4.07% | 0.73% | 17,668 |
| Q2 2024 | $145.0M | $128.0M | $104.5M | $16.6M | $697K | 0.96% | 3.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.69% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 17,344 |
Loan mix (Q1 2026): real estate $2.2M · commercial $1.5M · consumer $87.7M · securities $12.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 78.7% | 81th |
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.