| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.8 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | +5.5% | +2.9% | +2.6 pts |
| ROA | 1.75% | 0.69% | +1.1 pts |
| ROE | 11.5% | 5.9% | +5.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $148.7M | $126.1M | $69.8M | $22.6M | $649K | 1.75% | 3.37% | 1.36% | 9,618 |
| Q4 2025 | $143.9M | $122.0M | $71.9M | $21.9M | $2.5M | 1.72% | 3.47% | 1.36% | 9,574 |
| Q3 2025 | $139.8M | $118.5M | $71.9M | $21.2M | $1.7M | 1.65% | 3.52% | 1.28% | 9,537 |
| Q2 2025 | $139.0M | $118.5M | $69.0M | $20.5M | $1.0M | 1.49% | 3.43% | 1.33% | 9,490 |
| Q1 2025 | $135.5M | $115.5M | $66.1M | $20.0M | $472K | 1.39% | 3.37% | 1.77% | 9,404 |
| Q4 2024 | $130.7M | $111.2M | $67.4M | $19.5M | $2.3M | 1.72% | 3.28% | 1.96% | 9,394 |
| Q3 2024 | $127.5M | $108.6M | $68.5M | $18.9M | $1.6M | 1.71% | 3.31% | 1.70% | 9,348 |
| Q2 2024 | $125.9M | $107.6M | $68.0M | $18.4M | $1.0M | 1.66% | 3.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.57% |
| 9,265 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $30.2M · securities $54.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 78.7% | 5th |
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.