| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +7.2% | +3.3% | +3.9 pts |
| Loan growth (YoY) | +1.7% | +2.9% | -1.2 pts |
| ROA | 0.33% | 0.69% | -0.4 pts |
| ROE | 3.8% | 5.9% | -2.1 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $207.6M | $188.0M | $123.8M | $18.1M | $173K | 0.33% | 3.46% | 0.33% | 14,160 |
| Q4 2025 | $200.7M | $181.0M | $121.3M | $17.9M | $887K | 0.44% | 3.55% | 0.28% | 14,146 |
| Q3 2025 | $200.5M | $180.9M | $122.6M | $17.7M | $685K | 0.46% | 3.51% | 0.87% | 14,217 |
| Q2 2025 | $194.6M | $175.4M | $123.9M | $17.4M | $391K | 0.40% | 3.54% | 0.11% | 14,262 |
| Q1 2025 | $194.2M | $175.4M | $121.6M | $17.2M | $150K | 0.31% | 3.45% | 0.15% | 14,305 |
| Q4 2024 | $185.7M | $167.2M | $124.6M | $17.0M | $817K | 0.44% | 3.49% | 0.34% | 14,352 |
| Q3 2024 | $184.3M | $167.1M | $121.3M | $16.8M | $554K | 0.40% | 3.47% | 0.33% | 14,347 |
| Q2 2024 | $181.5M | $164.6M | $120.5M | $16.6M | $382K | 0.42% | 3.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 14,381 |
Loan mix (Q1 2026): real estate $33.5M · commercial $23.3M · consumer $51.5M · securities $33.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 78.7% | 85th |
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.