| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.0 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.2 pts |
| Loan growth (YoY) | +12.9% | +2.9% | +9.9 pts |
| ROA | 0.10% | 0.69% | -0.6 pts |
| ROE | 1.1% | 5.9% | -4.9 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.6M | $123.0M | $87.3M | $12.1M | $33K | 0.10% | 3.90% | 0.99% | 11,554 |
| Q4 2025 | $133.1M | $120.5M | $81.2M | $12.1M | $437K | 0.33% | 3.72% | 1.00% | 11,490 |
| Q3 2025 | $130.8M | $118.8M | $81.7M | $12.0M | $311K | 0.32% | 3.74% | 0.77% | 11,470 |
| Q2 2025 | $130.4M | $118.5M | $80.0M | $11.9M | $167K | 0.26% | 3.67% | 0.85% | 11,502 |
| Q1 2025 | $130.5M | $118.8M | $77.4M | $11.8M | $55K | 0.17% | 3.56% | 0.69% | 11,470 |
| Q4 2024 | $129.2M | $117.9M | $77.1M | $11.7M | $119K | 0.09% | 3.17% | 0.72% | 11,466 |
| Q3 2024 | $130.8M | $119.2M | $77.7M | $11.8M | $158K | 0.16% | 3.06% | 0.71% | 11,464 |
| Q2 2024 | $131.4M | $119.8M | $78.3M | $11.7M | $118K | 0.18% | 3.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 11,502 |
Loan mix (Q1 2026): real estate $37.0M · commercial $0 · consumer $42.8M · securities $28.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.7% | 78.7% | 81th |
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.