| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +5.1% | +3.3% | +1.8 pts |
| Loan growth (YoY) | +9.4% | +2.9% | +6.5 pts |
| ROA | 0.27% | 0.69% | -0.4 pts |
| ROE | 1.9% | 5.9% | -4.0 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.7M | $108.9M | $62.8M | $17.2M | $83K | 0.27% | 3.70% | 1.18% | 7,279 |
| Q4 2025 | $122.8M | $106.1M | $63.5M | $17.1M | $503K | 0.41% | 3.70% | 1.05% | 7,291 |
| Q3 2025 | $121.1M | $104.6M | $61.6M | $16.9M | $347K | 0.38% | 3.68% | 0.66% | 7,221 |
| Q2 2025 | $119.7M | $103.6M | $58.9M | $16.8M | $200K | 0.33% | 3.63% | 0.68% | 7,171 |
| Q1 2025 | $119.6M | $103.6M | $57.4M | $16.7M | $97K | 0.33% | 3.56% | 0.86% | 7,153 |
| Q4 2024 | $115.8M | $100.2M | $52.4M | $16.6M | $376K | 0.32% | 3.49% | 1.08% | 7,217 |
| Q3 2024 | $116.6M | $100.6M | $52.9M | $16.5M | $274K | 0.31% | 3.41% | 0.85% | 7,212 |
| Q2 2024 | $117.1M | $101.8M | $53.9M | $16.3M | $151K | 0.26% | 3.34% |
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% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 5.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 7,206 |
Loan mix (Q1 2026): real estate $26.7M · commercial $0 · consumer $33.5M · securities $49.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 78.7% | 62th |
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.