| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.0 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.0 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $162.9M | $136.5M | $88.7M | $25.5M | $327K | 0.80% | 3.35% | 0.45% | 9,664 |
| Q4 2025 | $161.9M | $136.9M | $87.6M | $25.1M | $1.7M | 1.06% | 3.29% | 0.41% | 9,584 |
| Q3 2025 | $156.9M | $132.2M | $86.4M | $24.7M | $1.3M | 1.09% | 3.34% | 0.24% | 9,550 |
| Q2 2025 | $155.2M | $131.8M | $86.4M | $24.2M | $844K | 1.09% | 3.33% | 0.26% | 9,216 |
| Q1 2025 | $156.8M | $134.0M | $87.9M | $23.8M | $420K | 1.07% | 3.18% | 0.25% | 9,270 |
| Q4 2024 | $150.9M | $129.0M | $86.8M | $23.4M | $1.4M | 0.95% | 3.13% | 0.15% | 9,595 |
| Q3 2024 | $152.7M | $130.8M | $89.0M | $22.9M | $917K | 0.80% | 3.02% | 0.27% | 9,661 |
| Q2 2024 | $151.5M | $130.9M | $89.0M | $22.4M | $480K | 0.63% | 2.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 9,652 |
Loan mix (Q1 2026): real estate $14.5M · commercial $0 · consumer $72.0M · securities $45.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 78.7% | 30th |
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.