| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | +4.5% | +2.9% | +1.6 pts |
| ROA | 0.67% | 0.69% | -0.0 pts |
| ROE | 6.6% | 5.9% | +0.7 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 | $105.7M | $96.2M | $41.0M | $10.6M | $176K | 0.67% | 3.47% | 0.70% | 7,434 |
| Q4 2025 | $102.3M | $93.2M | $41.1M | $10.5M | $834K | 0.81% | 3.43% | 0.61% | 7,440 |
| Q3 2025 | $99.8M | $91.2M | $40.8M | $10.2M | $540K | 0.72% | 3.40% | 0.67% | 7,455 |
| Q2 2025 | $98.6M | $90.9M | $40.2M | $10.0M | $322K | 0.65% | 3.36% | 0.53% | 7,447 |
| Q1 2025 | $99.9M | $92.6M | $39.2M | $9.8M | $125K | 0.50% | 3.23% | 0.90% | 7,464 |
| Q4 2024 | $96.1M | $89.9M | $40.1M | $9.6M | $201K | 0.21% | 3.35% | 1.25% | 7,484 |
| Q3 2024 | $95.3M | $88.5M | $40.6M | $9.6M | $126K | 0.18% | 3.30% | 1.60% | 7,523 |
| Q2 2024 | $93.8M | $88.5M | $41.4M | $9.4M | $14K | 0.03% | 3.30% | 0.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,566 |
Loan mix (Q1 2026): real estate $14.9M · commercial $958K · consumer $20.2M · securities $43.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 78.7% | 68th |
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.