| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +3.9% | +2.2 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +12.4% | +2.9% | +9.4 pts |
| ROA | 0.27% | 0.69% | -0.4 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $121.2M | $108.9M | $94.2M | $11.7M | $83K | 0.27% | 4.11% | 0.76% | 7,857 |
| Q4 2025 | $115.2M | $102.5M | $92.2M | $11.6M | $-136K | -0.12% | 4.14% | 0.68% | 7,827 |
| Q3 2025 | $113.8M | $101.0M | $87.8M | $12.1M | $282K | 0.33% | 4.11% | 1.55% | 7,923 |
| Q2 2025 | $113.4M | $101.1M | $85.7M | $12.0M | $187K | 0.33% | 4.06% | 1.40% | 7,853 |
| Q1 2025 | $114.2M | $101.5M | $83.9M | $12.0M | $104K | 0.36% | 3.91% | 1.57% | 7,828 |
| Q4 2024 | $108.9M | $95.7M | $81.3M | $11.8M | $429K | 0.39% | 3.94% | 1.71% | 7,818 |
| Q3 2024 | $110.0M | $98.6M | $81.5M | $11.8M | $300K | 0.36% | 3.86% | 1.80% | 7,809 |
| Q2 2024 | $111.8M | $100.4M | $81.8M | $11.9M | $384K | 0.69% | 3.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.22% |
| 7,840 |
Loan mix (Q1 2026): real estate $34.2M · commercial $10.7M · consumer $49.2M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 78.7% | 70th |
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.