| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +10.3% | +2.9% | +7.3 pts |
| ROA | 0.38% | 0.69% | -0.3 pts |
| ROE | 2.4% | 5.9% | -3.6 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $146.4M | $123.3M | $78.8M | $23.7M | $140K | 0.38% | 4.35% | 0.42% | 16,407 |
| Q4 2025 | $141.5M | $118.6M | $77.7M | $23.6M | $1.3M | 0.95% | 4.58% | 0.41% | 16,347 |
| Q3 2025 | $138.3M | $115.7M | $74.4M | $23.5M | $976K | 0.94% | 4.64% | 0.43% | 16,391 |
| Q2 2025 | $139.9M | $117.5M | $73.9M | $23.0M | $523K | 0.75% | 4.54% | 0.45% | 16,605 |
| Q1 2025 | $139.6M | $118.0M | $71.4M | $22.8M | $340K | 0.97% | 4.43% | 0.33% | 16,523 |
| Q4 2024 | $132.4M | $110.3M | $70.1M | $22.5M | $1.8M | 1.33% | 4.78% | 0.62% | 16,480 |
| Q3 2024 | $132.8M | $111.9M | $68.3M | $22.3M | $1.3M | 1.27% | 4.77% | 1.16% | 16,525 |
| Q2 2024 | $134.3M | $112.9M | $69.7M | $21.9M | $904K | 1.35% | 4.77% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 16,768 |
Loan mix (Q1 2026): real estate $12.2M · commercial $33.1M · consumer $28.7M · securities $35.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 78.7% | 79th |
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.