| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | -10.8% | +2.9% | -13.8 pts |
| ROA | 0.87% | 0.69% | +0.2 pts |
| ROE | 8.3% | 5.9% | +2.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.0M | $169.6M | $99.8M | $19.8M | $412K | 0.87% | 3.27% | 0.44% | 9,467 |
| Q4 2025 | $186.8M | $167.8M | $103.0M | $19.4M | $1.6M | 0.87% | 3.12% | 0.51% | 9,547 |
| Q3 2025 | $182.4M | $166.7M | $106.6M | $19.1M | $1.4M | 0.99% | 3.33% | 0.44% | 9,625 |
| Q2 2025 | $182.7M | $165.5M | $110.5M | $18.6M | $827K | 0.91% | 3.25% | 0.34% | 9,701 |
| Q1 2025 | $183.6M | $166.9M | $112.0M | $18.2M | $359K | 0.78% | 3.15% | 0.41% | 9,876 |
| Q4 2024 | $181.9M | $165.3M | $113.2M | $17.8M | $1.5M | 0.83% | 3.07% | 0.37% | 9,896 |
| Q3 2024 | $180.5M | $164.3M | $114.7M | $17.3M | $1.0M | 0.77% | 3.04% | 0.36% | 9,884 |
| Q2 2024 | $181.6M | $166.1M | $113.2M | $17.0M | $675K | 0.74% | 2.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 9,821 |
Loan mix (Q1 2026): real estate $54.6M · commercial $0 · consumer $41.5M · securities $58.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 78.7% | 36th |
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.