| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.9% | -3.2 pts |
| Share growth (YoY) | -0.4% | +3.3% | -3.7 pts |
| Loan growth (YoY) | +10.1% | +2.9% | +7.2 pts |
| ROA | 0.53% | 0.69% | -0.2 pts |
| ROE | 4.0% | 5.9% | -2.0 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $165.2M | $144.9M | $116.0M | $22.1M | $219K | 0.53% | 4.08% | 0.44% | 14,265 |
| Q4 2025 | $162.7M | $142.6M | $115.1M | $21.8M | $935K | 0.57% | 3.84% | 0.34% | 14,175 |
| Q3 2025 | $162.4M | $143.2M | $110.4M | $21.6M | $452K | 0.37% | 3.75% | 0.37% | 14,089 |
| Q2 2025 | $163.6M | $144.8M | $109.1M | $21.4M | $238K | 0.29% | 3.67% | 0.46% | 14,041 |
| Q1 2025 | $164.0M | $145.4M | $105.3M | $21.3M | $173K | 0.42% | 3.60% | 0.62% | 13,962 |
| Q4 2024 | $155.9M | $137.8M | $106.4M | $21.2M | $835K | 0.54% | 3.57% | 0.61% | 13,929 |
| Q3 2024 | $156.4M | $139.1M | $98.8M | $20.9M | $348K | 0.30% | 3.50% | 0.29% | 13,906 |
| Q2 2024 | $147.2M | $130.3M | $95.9M | $20.8M | $229K | 0.31% | 3.70% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 13,851 |
Loan mix (Q1 2026): real estate $39.2M · commercial $0 · consumer $75.3M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 78.7% | 78th |
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.