| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.5 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | -2.3% | +2.9% | -5.3 pts |
| ROA | 1.57% | 0.69% | +0.9 pts |
| ROE | 9.1% | 5.9% | +3.1 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $150.4M | $123.5M | $35.0M | $26.0M | $590K | 1.57% | 3.74% | 0.22% | 10,079 |
| Q4 2025 | $144.8M | $118.5M | $36.2M | $25.5M | $2.8M | 1.94% | 4.17% | 0.29% | 10,127 |
| Q3 2025 | $142.8M | $117.0M | $36.7M | $24.8M | $2.1M | 2.00% | 4.26% | 0.23% | 10,184 |
| Q2 2025 | $143.9M | $118.9M | $36.0M | $24.1M | $1.4M | 1.97% | 4.23% | 0.28% | 10,203 |
| Q1 2025 | $144.0M | $119.8M | $35.9M | $23.3M | $691K | 1.92% | 4.17% | 0.19% | 10,278 |
| Q4 2024 | $140.1M | $116.7M | $35.9M | $22.6M | $3.1M | 2.24% | 4.52% | 0.25% | 10,321 |
| Q3 2024 | $138.9M | $116.0M | $36.5M | $21.9M | $2.4M | 2.35% | 4.59% | 0.25% | 10,364 |
| Q2 2024 | $139.3M | $116.8M | $35.8M | $21.1M | $1.6M | 2.35% | 4.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 10,394 |
Loan mix (Q1 2026): real estate $14.6M · commercial $0 · consumer $16.1M · securities $70.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 78.7% | 11th |
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.