| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | -0.4% | +2.9% | -3.3 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 6.5% | 5.9% | +0.5 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.3M | $125.0M | $63.8M | $10.0M | $161K | 0.49% | 4.01% | 1.27% | 13,546 |
| Q4 2025 | $128.9M | $121.6M | $65.6M | $9.8M | $638K | 0.49% | 3.98% | 1.62% | 13,630 |
| Q3 2025 | $127.4M | $120.3M | $66.0M | $9.8M | $609K | 0.64% | 3.98% | 1.73% | 13,559 |
| Q2 2025 | $125.3M | $119.1M | $65.2M | $9.5M | $73K | 0.12% | 3.99% | 1.82% | 13,548 |
| Q1 2025 | $123.0M | $117.1M | $64.0M | $9.4M | $-55K | -0.18% | 3.93% | 1.59% | 13,531 |
| Q4 2024 | $116.7M | $110.9M | $64.4M | $9.4M | $-78K | -0.07% | 3.81% | 2.06% | 13,590 |
| Q3 2024 | $117.0M | $110.8M | $65.1M | $9.4M | $-56K | -0.06% | 3.71% | 1.55% | 13,583 |
| Q2 2024 | $118.1M | $112.3M | $64.5M | $9.8M | $60K | 0.10% | 3.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 13,528 |
Loan mix (Q1 2026): real estate $32.1M · commercial $160K · consumer $27.3M · securities $54.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 78.7% | 77th |
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% |
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