| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.9% | +4.5 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | -0.0% | +2.9% | -2.9 pts |
| ROA | 1.72% | 0.69% | +1.0 pts |
| ROE | 10.8% | 5.9% | +4.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.9M | $150.2M | $88.5M | $28.8M | $776K | 1.72% | 3.57% | 0.55% | 10,594 |
| Q4 2025 | $172.9M | $144.2M | $88.7M | $28.0M | $3.2M | 1.83% | 3.71% | 0.87% | 10,554 |
| Q3 2025 | $168.1M | $140.2M | $89.9M | $27.5M | $2.6M | 2.07% | 3.80% | 0.78% | 10,523 |
| Q2 2025 | $168.6M | $141.4M | $90.7M | $26.5M | $1.6M | 1.95% | 3.74% | 0.73% | 10,491 |
| Q1 2025 | $166.0M | $139.8M | $88.5M | $25.7M | $798K | 1.92% | 3.70% | 0.74% | 10,463 |
| Q4 2024 | $163.4M | $138.2M | $87.1M | $24.9M | $2.9M | 1.75% | 3.47% | 0.89% | 10,455 |
| Q3 2024 | $158.5M | $134.1M | $88.6M | $24.3M | $2.3M | 1.92% | 3.51% | 0.92% | 10,450 |
| Q2 2024 | $156.7M | $133.4M | $89.3M | $23.5M | $1.5M | 1.87% | 3.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 10,451 |
Loan mix (Q1 2026): real estate $11.9M · commercial $0 · consumer $60.5M · securities $59.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 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.