| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.0 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | -2.7% | +2.9% | -5.6 pts |
| ROA | 1.96% | 0.69% | +1.3 pts |
| ROE | 16.3% | 5.9% | +10.4 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152.2M | $133.7M | $92.3M | $18.3M | $746K | 1.96% | 3.40% | 0.34% | 9,383 |
| Q4 2025 | $149.9M | $132.0M | $94.6M | $17.5M | $1.6M | 1.04% | 3.40% | 0.27% | 9,446 |
| Q3 2025 | $147.7M | $129.9M | $96.4M | $17.6M | $1.6M | 1.46% | 3.41% | 0.14% | 9,496 |
| Q2 2025 | $147.7M | $130.6M | $94.0M | $16.8M | $758K | 1.03% | 3.34% | 0.39% | 10,218 |
| Q1 2025 | $146.4M | $129.4M | $94.8M | $16.4M | $419K | 1.15% | 3.30% | 0.20% | 9,558 |
| Q4 2024 | $136.3M | $119.6M | $91.7M | $16.0M | $1.4M | 1.03% | 3.07% | 0.39% | 8,853 |
| Q3 2024 | $133.7M | $117.9M | $93.6M | $15.6M | $958K | 0.96% | 3.02% | 0.23% | 8,868 |
| Q2 2024 | $135.8M | $120.0M | $91.3M | $15.2M | $593K | 0.87% | 2.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 8,853 |
Loan mix (Q1 2026): real estate $47.5M · commercial $2.0M · consumer $40.0M · securities $43.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 78.7% | 8th |
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.