| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +3.9% | -1.2 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.4 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.3M | $102.2M | $81.1M | $22.1M | $157K | 0.50% | 4.51% | 1.08% | 12,102 |
| Q4 2025 | $126.3M | $101.9M | $80.3M | $21.9M | $252K | 0.20% | 4.20% | 1.79% | 12,079 |
| Q3 2025 | $123.5M | $99.4M | $78.2M | $22.0M | $138K | 0.15% | 4.24% | 1.73% | 12,053 |
| Q2 2025 | $124.1M | $100.5M | $76.5M | $21.9M | $40K | 0.07% | 4.11% | 1.27% | 12,042 |
| Q1 2025 | $122.9M | $99.4M | $76.3M | $22.0M | $136K | 0.44% | 4.14% | 1.17% | 11,990 |
| Q4 2024 | $119.1M | $95.9M | $76.2M | $21.9M | $-73K | -0.06% | 4.16% | 1.57% | 11,971 |
| Q3 2024 | $129.0M | $93.9M | $77.2M | $22.3M | $132K | 0.14% | 3.83% | 1.78% | 11,974 |
| Q2 2024 | $131.8M | $96.0M | $77.4M | $22.3M | $148K | 0.22% | 3.73% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.20% |
| 11,964 |
Loan mix (Q1 2026): real estate $45.1M · commercial $0 · consumer $26.6M · securities $19.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 78.7% | 75th |
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.