| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +12.9% | +2.9% | +10.0 pts |
| ROA | 1.59% | 0.69% | +0.9 pts |
| ROE | 12.6% | 5.9% | +6.7 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $186.4M | $162.2M | $136.2M | $23.4M | $739K | 1.59% | 3.68% | 0.32% | 10,637 |
| Q4 2025 | $173.8M | $150.2M | $134.0M | $22.7M | $2.4M | 1.36% | 3.65% | 0.71% | 10,514 |
| Q3 2025 | $167.6M | $145.1M | $129.1M | $21.5M | $1.2M | 0.93% | 3.69% | 0.37% | 10,406 |
| Q2 2025 | $168.8M | $146.9M | $123.9M | $21.1M | $816K | 0.97% | 3.57% | 0.26% | 10,256 |
| Q1 2025 | $173.4M | $151.8M | $120.6M | $20.7M | $404K | 0.93% | 3.31% | 0.31% | 10,164 |
| Q4 2024 | $167.8M | $146.7M | $120.3M | $20.3M | $825K | 0.49% | 2.87% | 0.59% | 10,005 |
| Q3 2024 | $166.6M | $145.7M | $120.2M | $19.6M | $110K | 0.09% | 2.76% | 0.55% | 9,844 |
| Q2 2024 | $173.2M | $151.8M | $120.5M | $19.4M | $-101K | -0.12% | 2.50% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 9,844 |
Loan mix (Q1 2026): real estate $71.7M · commercial $0 · consumer $59.4M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 78.7% | 12th |
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.