| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.9% | +3.4 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.7 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.5M | $171.3M | $131.4M | $18.3M | $188K | 0.40% | 4.02% | 0.67% | 15,428 |
| Q4 2025 | $183.9M | $166.8M | $131.5M | $18.1M | $627K | 0.34% | 4.07% | 0.62% | 15,490 |
| Q3 2025 | $180.2M | $163.4M | $130.8M | $17.9M | $441K | 0.33% | 4.26% | 0.67% | 15,544 |
| Q2 2025 | $176.3M | $153.6M | $132.2M | $17.6M | $121K | 0.14% | 4.29% | 0.52% | 15,531 |
| Q1 2025 | $176.6M | $159.5M | $129.8M | $17.7M | $207K | 0.47% | 4.11% | 0.37% | 15,531 |
| Q4 2024 | $181.3M | $165.5M | $133.3M | $17.5M | $256K | 0.14% | 3.57% | 0.49% | 15,627 |
| Q3 2024 | $184.6M | $168.6M | $132.0M | $17.6M | $377K | 0.27% | 3.57% | 0.70% | 15,673 |
| Q2 2024 | $184.6M | $169.4M | $131.4M | $17.5M | $286K | 0.31% | 3.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 15,664 |
Loan mix (Q1 2026): real estate $59.6M · commercial $3.2M · consumer $59.7M · securities $12.6M
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.