| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.2 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 2.30% | 0.69% | +1.6 pts |
| ROE | 15.0% | 5.9% | +9.1 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $131.9M | $111.2M | $54.1M | $20.2M | $760K | 2.30% | 3.97% | 1.60% | 6,872 |
| Q4 2025 | $127.3M | $107.7M | $54.4M | $19.5M | $2.6M | 2.03% | 4.02% | 2.47% | 6,815 |
| Q3 2025 | $123.3M | $104.3M | $54.2M | $19.0M | $1.9M | 2.08% | 4.10% | 1.94% | 6,771 |
| Q2 2025 | $122.6M | $104.4M | $53.7M | $18.3M | $1.3M | 2.08% | 4.05% | 1.76% | 6,702 |
| Q1 2025 | $123.2M | $105.4M | $52.0M | $17.6M | $533K | 1.73% | 3.76% | 1.74% | 6,648 |
| Q4 2024 | $117.2M | $100.8M | $50.9M | $17.0M | $2.1M | 1.78% | 3.81% | 2.61% | 6,589 |
| Q3 2024 | $115.2M | $99.2M | $50.9M | $16.6M | $1.5M | 1.76% | 3.78% | 2.06% | 6,571 |
| Q2 2024 | $114.8M | $99.6M | $51.5M | $16.0M | $954K | 1.66% | 3.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.89% |
| 6,513 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $48.3M · securities $35.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 78.7% | 3th |
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.