| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.3 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | -3.4% | +2.9% | -6.3 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.4M | $92.0M | $35.9M | $12.0M | $72K | 0.28% | 4.08% | 3.12% | 15,233 |
| Q4 2025 | $100.6M | $90.4M | $36.6M | $11.9M | $873K | 0.87% | 4.03% | 5.16% | 15,321 |
| Q3 2025 | $97.3M | $86.8M | $36.9M | $12.0M | $853K | 1.17% | 4.15% | 5.09% | 15,398 |
| Q2 2025 | $96.3M | $86.5M | $37.4M | $11.8M | $714K | 1.48% | 4.11% | 4.54% | 15,496 |
| Q1 2025 | $94.7M | $85.2M | $37.2M | $11.7M | $558K | 2.36% | 4.02% | 3.30% | 15,473 |
| Q4 2024 | $91.2M | $83.2M | $36.9M | $11.1M | $548K | 0.60% | 3.97% | 3.61% | 15,445 |
| Q3 2024 | $91.9M | $83.0M | $36.0M | $11.1M | $416K | 0.60% | 3.88% | 3.59% | 15,389 |
| Q2 2024 | $91.3M | $83.3M | $34.8M | $10.8M | $138K | 0.30% | 3.77% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.78% |
| 15,357 |
Loan mix (Q1 2026): real estate $6.5M · commercial $0 · consumer $26.5M · securities $60.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 78.7% | 32th |
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.