| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +3.9% | — |
| Share growth (YoY) | — | +3.3% | — |
| Loan growth (YoY) | — | +2.9% | — |
| ROA | 1.30% | 0.69% | +0.6 pts |
| ROE | 12.7% | 5.9% | +6.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $452.1M | $401.1M | $352.5M | $46.5M | $1.5M | 1.30% | 4.10% | 0.40% | 35,104 |
| Q4 2025 | $438.5M | $389.2M | $343.7M | $45.1M | $4.7M | 1.08% | 4.04% | 0.62% | 34,776 |
| Q3 2025 | $430.4M | $382.8M | $337.8M | $43.9M | $3.6M | 1.11% | 4.08% | 0.51% | 35,651 |
| Q2 2025 | $419.9M | $374.2M | $323.4M | $42.7M | $2.4M | 1.13% | 4.13% | 0.56% | 34,854 |
Loan mix (Q1 2026): real estate $133.3M · commercial $12.5M · consumer $159.4M · securities $6.6M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (4q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.62% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 64.4% |
| 78.7% |
14th |
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 (4q) | 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 (4q) | 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 (4q) | 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 (4q) | 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.