| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +8.3% | +2.9% | +5.3 pts |
| ROA | 1.52% | 0.69% | +0.8 pts |
| ROE | 6.4% | 5.9% | +0.4 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $166.2M | $126.3M | $70.6M | $39.6M | $630K | 1.52% | 3.11% | 0.22% | 12,789 |
| Q4 2025 | $162.6M | $123.3M | $68.8M | $38.9M | $2.8M | 1.74% | 3.21% | 0.36% | 12,673 |
| Q3 2025 | $161.7M | $123.0M | $67.6M | $38.3M | $2.2M | 1.82% | 3.23% | 0.20% | 12,593 |
| Q2 2025 | $162.2M | $124.3M | $66.5M | $37.5M | $1.5M | 1.80% | 3.20% | 0.22% | 13,647 |
| Q1 2025 | $160.8M | $123.7M | $65.2M | $36.8M | $709K | 1.76% | 3.14% | 0.41% | 13,527 |
| Q4 2024 | $158.2M | $121.8M | $64.5M | $36.1M | $3.2M | 2.04% | 3.49% | 0.07% | 13,349 |
| Q3 2024 | $157.2M | $121.6M | $62.1M | $35.3M | $2.5M | 2.09% | 3.51% | 0.10% | 13,350 |
| Q2 2024 | $157.7M | $122.9M | $59.0M | $34.5M | $1.6M | 2.06% | 3.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 13,942 |
Loan mix (Q1 2026): real estate $56.6M · commercial $0 · consumer $13.3M · securities $39.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 78.7% | 3th |
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% |
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