| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -1.9 pts |
| Share growth (YoY) | +1.1% | +3.3% | -2.2 pts |
| Loan growth (YoY) | +2.1% | +2.9% | -0.9 pts |
| ROA | 0.87% | 0.69% | +0.2 pts |
| ROE | 6.5% | 5.9% | +0.5 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $138.6M | $118.7M | $78.3M | $18.7M | $303K | 0.87% | 3.60% | 0.42% | 10,088 |
| Q4 2025 | $134.2M | $114.5M | $78.7M | $18.4M | $1.2M | 0.93% | 3.80% | 0.42% | 10,003 |
| Q3 2025 | $134.1M | $114.7M | $77.2M | $18.1M | $1.0M | 1.02% | 3.78% | 0.50% | 9,932 |
| Q2 2025 | $135.4M | $116.5M | $77.8M | $17.8M | $712K | 1.05% | 3.69% | 0.58% | 9,855 |
| Q1 2025 | $135.9M | $117.4M | $76.7M | $17.5M | $331K | 0.97% | 3.59% | 0.64% | 9,781 |
| Q4 2024 | $132.1M | $113.9M | $78.7M | $17.1M | $1.2M | 0.89% | 3.60% | 0.55% | 9,762 |
| Q3 2024 | $130.6M | $112.2M | $81.2M | $17.0M | $953K | 0.97% | 3.58% | 0.50% | 9,752 |
| Q2 2024 | $132.1M | $114.2M | $80.7M | $16.6M | $615K | 0.93% | 3.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 9,659 |
Loan mix (Q1 2026): real estate $30.3M · commercial $3.3M · consumer $41.8M · securities $32.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 78.7% | 60th |
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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