| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.8 pts |
| Share growth (YoY) | +8.5% | +3.3% | +5.2 pts |
| Loan growth (YoY) | -2.1% | +2.9% | -5.0 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 2.9% | 5.9% | -3.1 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $141.9M | $125.7M | $46.0M | $20.6M | $147K | 0.42% | 2.45% | 0.66% | 6,682 |
| Q4 2025 | $135.8M | $119.0M | $47.8M | $20.4M | $489K | 0.36% | 2.40% | 0.52% | 6,658 |
| Q3 2025 | $132.9M | $116.4M | $47.9M | $20.3M | $371K | 0.37% | 2.42% | 0.54% | 6,682 |
| Q2 2025 | $131.1M | $116.0M | $47.8M | $20.2M | $248K | 0.38% | 2.41% | 0.78% | 6,701 |
| Q1 2025 | $130.6M | $115.9M | $47.0M | $20.0M | $75K | 0.23% | 2.33% | 0.57% | 6,697 |
| Q4 2024 | $125.1M | $111.9M | $45.8M | $19.9M | $169K | 0.14% | 2.30% | 0.46% | 6,667 |
| Q3 2024 | $126.1M | $111.0M | $44.9M | $19.9M | $151K | 0.16% | 2.27% | 0.26% | 6,728 |
| Q2 2024 | $122.9M | $109.8M | $43.3M | $19.8M | $96K | 0.16% | 2.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 6,776 |
Loan mix (Q1 2026): real estate $10.0M · commercial $248K · consumer $28.5M · securities $73.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 78.7% | 74th |
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.