| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +7.5% | +3.3% | +4.2 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 8.1% | 5.9% | +2.1 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.6M | $124.7M | $91.8M | $11.0M | $223K | 0.66% | 3.21% | 0.06% | 6,718 |
| Q4 2025 | $130.0M | $119.4M | $91.3M | $10.8M | $919K | 0.71% | 3.38% | 0.03% | 6,717 |
| Q3 2025 | $127.1M | $117.0M | $93.2M | $10.5M | $634K | 0.66% | 3.41% | 0.01% | 6,858 |
| Q2 2025 | $125.8M | $116.0M | $92.2M | $10.3M | $374K | 0.60% | 3.38% | 0.02% | 6,860 |
| Q1 2025 | $125.8M | $115.9M | $91.0M | $10.1M | $168K | 0.54% | 3.30% | 0.03% | 6,845 |
| Q4 2024 | $120.7M | $111.0M | $91.1M | $9.9M | $216K | 0.18% | 3.26% | 0.01% | 6,851 |
| Q3 2024 | $116.6M | $105.9M | $87.2M | $9.8M | $72K | 0.08% | 3.35% | 0.02% | 6,874 |
| Q2 2024 | $117.3M | $106.4M | $88.2M | $9.7M | $60K | 0.10% | 3.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 6,951 |
Loan mix (Q1 2026): real estate $49.7M · commercial $13.2M · consumer $22.5M · securities $13.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 78.7% | 64th |
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.