| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +0.7% | +3.3% | -2.6 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | 1.26% | 0.69% | +0.6 pts |
| ROE | 7.0% | 5.9% | +1.0 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $193.6M | $157.6M | $109.7M | $34.9M | $610K | 1.26% | 4.84% | 0.96% | 18,296 |
| Q4 2025 | $188.2M | $153.3M | $110.0M | $34.3M | $3.3M | 1.77% | 5.04% | 0.96% | 18,224 |
| Q3 2025 | $187.3M | $153.4M | $111.1M | $33.7M | $2.6M | 1.83% | 5.04% | 0.90% | 17,191 |
| Q2 2025 | $188.7M | $154.3M | $111.4M | $33.0M | $1.9M | 1.99% | 4.94% | 1.09% | 16,984 |
| Q1 2025 | $188.0M | $156.4M | $112.4M | $32.0M | $891K | 1.90% | 4.81% | 0.57% | 16,612 |
| Q4 2024 | $180.4M | $149.7M | $113.0M | $31.1M | $3.3M | 1.84% | 4.81% | 0.70% | 16,667 |
| Q3 2024 | $179.6M | $150.8M | $112.8M | $30.3M | $2.5M | 1.82% | 4.76% | 0.65% | 16,711 |
| Q2 2024 | $175.2M | $145.9M | $112.0M | $29.5M | $1.6M | 1.86% | 4.81% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 16,584 |
Loan mix (Q1 2026): real estate $21.0M · commercial $0 · consumer $72.0M · securities $23.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 78.7% | 34th |
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.