| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.3 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.6 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $141.1M | $124.2M | $77.3M | $15.2M | $195K | 0.55% | 3.30% | 0.70% | 9,760 |
| Q4 2025 | $139.9M | $122.9M | $78.8M | $15.0M | $1.2M | 0.87% | 3.42% | 1.04% | 9,688 |
| Q3 2025 | $135.2M | $118.0M | $77.5M | $14.7M | $945K | 0.93% | 3.54% | 0.81% | 9,746 |
| Q2 2025 | $133.2M | $115.7M | $72.6M | $14.4M | $667K | 1.00% | 3.55% | 1.00% | 9,747 |
| Q1 2025 | $136.1M | $120.1M | $71.9M | $14.2M | $394K | 1.16% | 3.36% | 0.68% | 9,797 |
| Q4 2024 | $132.1M | $116.9M | $70.7M | $13.8M | $874K | 0.66% | 3.24% | 0.94% | 9,726 |
| Q3 2024 | $129.2M | $114.0M | $66.8M | $13.5M | $585K | 0.60% | 3.27% | 0.89% | 9,776 |
| Q2 2024 | $127.1M | $111.8M | $64.4M | $13.2M | $314K | 0.49% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 9,803 |
Loan mix (Q1 2026): real estate $31.9M · commercial $0 · consumer $42.4M · securities $35.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 78.7% | 47th |
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.