| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.5 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $156.4M | $134.0M | $70.4M | $20.4M | $276K | 0.71% | 3.59% | 1.36% | 16,205 |
| Q4 2025 | $153.4M | $130.1M | $70.8M | $20.1M | $1.4M | 0.91% | 3.71% | 1.55% | 16,292 |
| Q3 2025 | $147.6M | $124.9M | $69.6M | $20.0M | $1.2M | 1.04% | 3.86% | 1.24% | 16,339 |
| Q2 2025 | $151.4M | $129.3M | $68.4M | $19.6M | $757K | 1.00% | 3.72% | 1.28% | 16,368 |
| Q1 2025 | $154.0M | $132.6M | $68.0M | $19.1M | $254K | 0.66% | 3.58% | 1.30% | 16,419 |
| Q4 2024 | $147.8M | $126.3M | $68.0M | $18.8M | $1.1M | 0.73% | 3.41% | 1.31% | 16,466 |
| Q3 2024 | $146.6M | $125.4M | $65.2M | $18.6M | $818K | 0.74% | 3.39% | 1.34% | 16,529 |
| Q2 2024 | $149.8M | $128.3M | $63.9M | $18.3M | $510K | 0.68% | 3.28% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.37% |
| 16,581 |
Loan mix (Q1 2026): real estate $54.7M · commercial $0 · consumer $15.6M · securities $72.8M
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.