| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.9% | +4.4 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 1.32% | 0.69% | +0.6 pts |
| ROE | 8.7% | 5.9% | +2.8 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $145.4M | $122.3M | $45.1M | $21.9M | $478K | 1.32% | 3.09% | 0.68% | 5,930 |
| Q4 2025 | $141.6M | $118.6M | $45.7M | $21.4M | $1.7M | 1.20% | 2.93% | 0.15% | 5,899 |
| Q3 2025 | $138.5M | $115.6M | $44.8M | $21.3M | $1.6M | 1.50% | 3.07% | 0.58% | 5,908 |
| Q2 2025 | $135.8M | $113.5M | $44.0M | $20.8M | $1.0M | 1.51% | 3.03% | 0.29% | 5,889 |
| Q1 2025 | $134.2M | $112.5M | $43.9M | $20.3M | $505K | 1.51% | 2.95% | 0.64% | 5,872 |
| Q4 2024 | $130.3M | $109.3M | $44.0M | $19.8M | $1.4M | 1.07% | 2.76% | 0.59% | 5,849 |
| Q3 2024 | $126.3M | $105.0M | $42.7M | $19.7M | $1.3M | 1.39% | 2.90% | 0.28% | 5,815 |
| Q2 2024 | $123.6M | $103.7M | $42.1M | $19.2M | $842K | 1.36% | 2.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 5,809 |
Loan mix (Q1 2026): real estate $16.3M · commercial $0 · consumer $28.1M · securities $76.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 78.7% | 11th |
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.