| 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) | +8.4% | +2.9% | +5.5 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $119.3M | $106.8M | $98.2M | $11.3M | $214K | 0.72% | 3.23% | 0.59% | 6,759 |
| Q4 2025 | $116.9M | $104.6M | $93.4M | $11.0M | $860K | 0.74% | 3.14% | 0.61% | 6,656 |
| Q3 2025 | $114.5M | $102.9M | $93.0M | $10.8M | $652K | 0.76% | 3.13% | 0.78% | 6,662 |
| Q2 2025 | $114.7M | $103.3M | $91.7M | $10.5M | $336K | 0.59% | 3.01% | 0.70% | 6,630 |
| Q1 2025 | $114.1M | $102.9M | $90.6M | $10.4M | $195K | 0.68% | 2.92% | 0.79% | 6,600 |
| Q4 2024 | $111.4M | $100.5M | $90.8M | $10.2M | $492K | 0.44% | 2.69% | 0.49% | 6,617 |
| Q3 2024 | $110.1M | $99.6M | $92.6M | $10.0M | $302K | 0.37% | 2.63% | 0.46% | 6,623 |
| Q2 2024 | $109.6M | $98.8M | $93.7M | $9.8M | $140K | 0.26% | 2.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 6,656 |
Loan mix (Q1 2026): real estate $47.5M · commercial $62K · consumer $40.6M · securities $5.3M
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.