| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.9% | -1.8 pts |
| Share growth (YoY) | +1.0% | +3.3% | -2.3 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.9 pts |
| ROA | 1.33% | 0.69% | +0.6 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $217.3M | $186.5M | $158.6M | $29.9M | $722K | 1.33% | 3.91% | 0.25% | 12,599 |
| Q4 2025 | $215.4M | $185.2M | $157.6M | $29.4M | $2.8M | 1.29% | 3.83% | 0.80% | 12,835 |
| Q3 2025 | $213.5M | $183.9M | $156.3M | $28.8M | $2.2M | 1.35% | 3.80% | 0.91% | 12,832 |
| Q2 2025 | $213.5M | $184.5M | $153.2M | $28.1M | $1.5M | 1.43% | 3.72% | 0.66% | 12,708 |
| Q1 2025 | $212.8M | $184.7M | $149.8M | $27.3M | $670K | 1.26% | 3.68% | 0.60% | 12,604 |
| Q4 2024 | $204.4M | $177.0M | $145.6M | $26.8M | $2.8M | 1.38% | 3.57% | 0.51% | 12,451 |
| Q3 2024 | $200.6M | $173.9M | $143.4M | $26.1M | $2.2M | 1.43% | 3.57% | 0.72% | 12,411 |
| Q2 2024 | $195.3M | $169.7M | $139.8M | $25.3M | $1.3M | 1.33% | 3.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 12,169 |
Loan mix (Q1 2026): real estate $66.6M · commercial $34.8M · consumer $55.2M · securities $23.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 78.7% | 18th |
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.