| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.9% | +4.5 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | +0.2% | +2.9% | -2.8 pts |
| ROA | 1.16% | 0.69% | +0.5 pts |
| ROE | 9.3% | 5.9% | +3.4 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.8M | $132.1M | $64.6M | $18.8M | $438K | 1.16% | 3.72% | 0.64% | 10,005 |
| Q4 2025 | $144.4M | $125.4M | $65.0M | $18.4M | $1.4M | 0.97% | 3.73% | 0.79% | 9,983 |
| Q3 2025 | $142.2M | $123.4M | $65.9M | $18.2M | $1.2M | 1.09% | 3.88% | 0.64% | 10,156 |
| Q2 2025 | $140.2M | $121.5M | $66.0M | $17.8M | $765K | 1.09% | 3.93% | 0.65% | 10,151 |
| Q1 2025 | $140.0M | $122.3M | $64.5M | $17.3M | $320K | 0.91% | 3.75% | 0.55% | 10,106 |
| Q4 2024 | $135.3M | $117.8M | $63.7M | $17.0M | $1.2M | 0.88% | 3.72% | 0.83% | 10,064 |
| Q3 2024 | $136.0M | $118.6M | $63.6M | $16.9M | $1.1M | 1.09% | 3.84% | 0.60% | 10,060 |
| Q2 2024 | $133.5M | $116.3M | $63.5M | $16.5M | $667K | 1.00% | 3.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 10,026 |
Loan mix (Q1 2026): real estate $15.6M · commercial $651K · consumer $42.7M · securities $54.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 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% |
The full ratio pack is part of CharterBench Pro.