| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.7 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.9 pts |
| Loan growth (YoY) | +10.0% | +2.9% | +7.1 pts |
| ROA | 2.13% | 0.69% | +1.4 pts |
| ROE | 15.8% | 5.9% | +9.9 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $134.7M | $116.8M | $82.4M | $18.2M | $718K | 2.13% | 6.33% | 0.30% | 14,802 |
| Q4 2025 | $130.5M | $113.1M | $77.7M | $17.5M | $2.3M | 1.74% | 4.67% | 0.53% | 14,774 |
| Q3 2025 | $129.1M | $112.4M | $79.1M | $16.9M | $1.7M | 1.75% | 4.64% | 0.41% | 14,601 |
| Q2 2025 | $131.7M | $115.0M | $78.5M | $16.1M | $899K | 1.36% | 4.33% | 0.28% | 14,005 |
| Q1 2025 | $131.7M | $115.2M | $74.9M | $15.7M | $458K | 1.39% | 4.04% | 0.48% | 14,059 |
| Q4 2024 | $130.0M | $114.9M | $73.2M | $15.2M | $1.3M | 1.03% | 3.78% | 0.26% | 14,278 |
| Q3 2024 | $131.2M | $116.5M | $70.4M | $14.9M | $998K | 1.01% | 3.68% | 0.34% | 14,555 |
| Q2 2024 | $132.3M | $118.6M | $71.9M | $14.5M | $589K | 0.89% | 3.59% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 14,583 |
Loan mix (Q1 2026): real estate $48.3M · commercial $5.6M · consumer $24.8M · securities $38.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 78.7% | 8th |
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.