| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +4.2% | +3.3% | +0.9 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.7 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 3.4% | 5.9% | -2.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $114.2M | $94.3M | $55.1M | $22.4M | $189K | 0.66% | 2.90% | 0.81% | 6,909 |
| Q4 2025 | $112.1M | $92.4M | $54.7M | $22.3M | $1.3M | 1.16% | 3.22% | 0.85% | 6,851 |
| Q3 2025 | $109.1M | $89.7M | $55.0M | $22.0M | $1.1M | 1.30% | 3.34% | 1.50% | 6,889 |
| Q2 2025 | $108.1M | $89.1M | $54.4M | $21.6M | $659K | 1.22% | 3.39% | 0.33% | 6,880 |
| Q1 2025 | $109.2M | $90.5M | $55.6M | $21.3M | $400K | 1.46% | 3.40% | 0.61% | 6,521 |
| Q4 2024 | $105.6M | $87.3M | $56.5M | $20.9M | $946K | 0.90% | 3.42% | 1.60% | 6,576 |
| Q3 2024 | $106.4M | $88.5M | $57.4M | $20.6M | $520K | 0.65% | 3.36% | 0.48% | 6,798 |
| Q2 2024 | $109.5M | $92.2M | $58.6M | $20.3M | $406K | 0.74% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.90% |
| 6,713 |
Loan mix (Q1 2026): real estate $23.3M · commercial $4.6M · consumer $21.5M · securities $22.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 51th |
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.