| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +8.2% | +3.3% | +4.9 pts |
| Loan growth (YoY) | +5.7% | +2.9% | +2.7 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.4M | $119.2M | $73.3M | $15.8M | $219K | 0.65% | 3.06% | 0.61% | 4,778 |
| Q4 2025 | $137.6M | $121.7M | $72.8M | $15.6M | $1.0M | 0.73% | 2.94% | 0.62% | 5,284 |
| Q3 2025 | $132.8M | $117.0M | $71.2M | $15.3M | $827K | 0.83% | 3.01% | 0.34% | 5,295 |
| Q2 2025 | $132.5M | $117.2M | $72.0M | $15.0M | $448K | 0.68% | 2.93% | 0.20% | 5,409 |
| Q1 2025 | $125.2M | $110.2M | $69.3M | $14.7M | $187K | 0.60% | 2.99% | 0.47% | 5,465 |
| Q4 2024 | $121.9M | $107.0M | $69.7M | $14.5M | $966K | 0.79% | 2.92% | 0.13% | 5,589 |
| Q3 2024 | $117.6M | $101.8M | $70.9M | $14.5M | $741K | 0.84% | 2.98% | 0.16% | 5,329 |
| Q2 2024 | $118.5M | $103.8M | $70.5M | $14.3M | $605K | 1.02% | 2.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.09% |
| 5,919 |
Loan mix (Q1 2026): real estate $43.0M · commercial $16.9M · consumer $11.8M · securities $44.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 53th |
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.