| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +5.1% | +3.3% | +1.8 pts |
| Loan growth (YoY) | +8.5% | +2.9% | +5.6 pts |
| ROA | 1.42% | 0.69% | +0.7 pts |
| ROE | 10.6% | 5.9% | +4.7 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $157.5M | $136.1M | $127.7M | $21.0M | $559K | 1.42% | 4.08% | 0.55% | 8,002 |
| Q4 2025 | $152.4M | $131.5M | $126.6M | $20.5M | $1.9M | 1.23% | 4.07% | 0.27% | 8,014 |
| Q3 2025 | $151.2M | $130.8M | $122.4M | $20.0M | $1.4M | 1.24% | 4.04% | 0.27% | 8,036 |
| Q2 2025 | $148.0M | $128.4M | $123.0M | $19.4M | $820K | 1.11% | 4.06% | 0.21% | 8,037 |
| Q1 2025 | $148.7M | $129.6M | $117.7M | $18.9M | $297K | 0.80% | 3.89% | 0.25% | 8,043 |
| Q4 2024 | $144.0M | $125.4M | $117.8M | $18.6M | $1.8M | 1.22% | 3.91% | 0.25% | 8,069 |
| Q3 2024 | $145.2M | $127.1M | $115.1M | $17.9M | $1.1M | 1.01% | 3.81% | 0.29% | 8,085 |
| Q2 2024 | $144.2M | $127.0M | $114.3M | $17.5M | $628K | 0.87% | 3.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 8,101 |
Loan mix (Q1 2026): real estate $75.3M · commercial $16.7M · consumer $19.1M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 78.7% | 26th |
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.