| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | -2.2% | +2.9% | -5.1 pts |
| ROA | 1.01% | 0.69% | +0.3 pts |
| ROE | 8.3% | 5.9% | +2.3 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.2M | $157.2M | $68.7M | $22.0M | $454K | 1.01% | 3.03% | 3.08% | 10,239 |
| Q4 2025 | $173.2M | $151.7M | $68.2M | $21.5M | $1.9M | 1.08% | 2.99% | 3.38% | 10,291 |
| Q3 2025 | $177.4M | $156.4M | $69.3M | $20.9M | $1.3M | 0.96% | 2.89% | 3.19% | 10,400 |
| Q2 2025 | $177.4M | $157.1M | $69.7M | $20.3M | $637K | 0.72% | 2.75% | 2.53% | 10,406 |
| Q1 2025 | $171.4M | $151.6M | $70.2M | $19.8M | $170K | 0.40% | 2.71% | 2.25% | 10,475 |
| Q4 2024 | $151.9M | $133.1M | $66.1M | $18.9M | $1.2M | 0.76% | 2.92% | 3.40% | 9,456 |
| Q3 2024 | $139.1M | $120.6M | $67.1M | $18.5M | $785K | 0.75% | 3.17% | 4.22% | 9,389 |
| Q2 2024 | $132.4M | $114.3M | $67.1M | $18.2M | $461K | 0.70% | 3.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.41% |
| 9,345 |
Loan mix (Q1 2026): real estate $36.5M · commercial $738K · consumer $25.0M · securities $69.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 78.7% | 7th |
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.