| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +4.6% | +3.3% | +1.3 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.5 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $177.1M | $154.2M | $90.2M | $22.3M | $288K | 0.65% | 3.28% | 0.31% | 11,410 |
| Q4 2025 | $169.8M | $147.1M | $90.6M | $22.0M | $1.4M | 0.84% | 3.49% | 0.34% | 11,473 |
| Q3 2025 | $168.7M | $146.3M | $88.8M | $21.8M | $1.1M | 0.85% | 3.47% | 0.22% | 11,536 |
| Q2 2025 | $168.2M | $146.3M | $89.3M | $21.3M | $549K | 0.65% | 3.41% | 0.40% | 11,622 |
| Q1 2025 | $168.8M | $147.4M | $88.1M | $20.9M | $155K | 0.37% | 3.23% | 0.42% | 11,714 |
| Q4 2024 | $168.9M | $147.6M | $88.4M | $20.7M | $745K | 0.44% | 2.99% | 0.31% | 11,749 |
| Q3 2024 | $166.4M | $145.2M | $89.2M | $20.7M | $537K | 0.43% | 3.00% | 0.29% | 11,803 |
| Q2 2024 | $166.1M | $145.4M | $90.6M | $20.3M | $203K | 0.24% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 11,905 |
Loan mix (Q1 2026): real estate $43.1M · commercial $0 · consumer $42.6M · securities $66.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.7% | 56th |
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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