| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.8 pts |
| Share growth (YoY) | +2.6% | +3.3% | -0.7 pts |
| Loan growth (YoY) | +8.4% | +2.9% | +5.5 pts |
| ROA | 0.93% | 0.69% | +0.2 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $218.1M | $173.3M | $152.0M | $39.4M | $507K | 0.93% | 3.89% | 0.14% | 12,144 |
| Q4 2025 | $214.7M | $170.3M | $154.0M | $38.9M | $2.2M | 1.04% | 3.96% | 0.24% | 12,186 |
| Q3 2025 | $209.9M | $165.9M | $153.2M | $38.0M | $1.3M | 0.86% | 4.03% | 0.18% | 12,252 |
| Q2 2025 | $209.4M | $166.4M | $147.3M | $37.5M | $817K | 0.78% | 3.96% | 0.07% | 12,245 |
| Q1 2025 | $211.5M | $168.9M | $140.2M | $37.1M | $404K | 0.76% | 3.83% | 0.12% | 12,289 |
| Q4 2024 | $209.2M | $166.8M | $138.2M | $36.7M | $2.1M | 0.99% | 3.82% | 0.12% | 12,318 |
| Q3 2024 | $199.8M | $159.0M | $138.0M | $35.8M | $1.2M | 0.80% | 3.98% | 0.34% | 12,391 |
| Q2 2024 | $203.3M | $161.7M | $134.5M | $35.4M | $742K | 0.73% | 3.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 12,443 |
Loan mix (Q1 2026): real estate $106.9M · commercial $0 · consumer $41.3M · securities $28.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 78.7% | 59th |
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.