| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | +3.3% | +2.9% | +0.3 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 9.7% | 5.9% | +3.8 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $247.1M | $228.2M | $128.0M | $23.4M | $569K | 0.92% | 3.80% | 0.35% | 16,123 |
| Q4 2025 | $245.4M | $226.7M | $128.3M | $22.9M | $2.1M | 0.88% | 3.69% | 0.59% | 16,365 |
| Q3 2025 | $244.0M | $226.7M | $126.9M | $22.1M | $1.4M | 0.78% | 3.64% | 0.56% | 16,475 |
| Q2 2025 | $245.4M | $229.4M | $128.3M | $21.5M | $799K | 0.65% | 3.53% | 0.63% | 16,392 |
| Q1 2025 | $243.3M | $228.8M | $124.0M | $21.0M | $300K | 0.49% | 3.45% | 0.73% | 16,295 |
| Q4 2024 | $234.1M | $221.6M | $122.7M | $20.7M | $1.6M | 0.70% | 3.32% | 1.11% | 16,278 |
| Q3 2024 | $236.1M | $222.2M | $121.2M | $20.2M | $1.1M | 0.61% | 3.19% | 1.08% | 16,300 |
| Q2 2024 | $232.9M | $222.3M | $119.4M | $19.7M | $652K | 0.56% | 3.16% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 16,047 |
Loan mix (Q1 2026): real estate $68.0M · commercial $22.8M · consumer $36.2M · securities $93.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.7% | 49th |
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.