| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | -1.3% | +2.9% | -4.3 pts |
| ROA | 1.29% | 0.69% | +0.6 pts |
| ROE | 10.0% | 5.9% | +4.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $153.2M | $133.7M | $58.8M | $19.8M | $493K | 1.29% | 3.24% | 0.23% | 8,014 |
| Q4 2025 | $150.8M | $132.0M | $59.4M | $19.3M | $1.6M | 1.06% | 3.19% | 0.65% | 8,125 |
| Q3 2025 | $153.1M | $134.6M | $60.2M | $18.9M | $1.2M | 1.04% | 3.08% | 0.19% | 8,209 |
| Q2 2025 | $151.6M | $133.6M | $59.9M | $18.4M | $779K | 1.03% | 3.03% | 0.12% | 8,273 |
| Q1 2025 | $150.7M | $133.2M | $59.6M | $18.1M | $394K | 1.04% | 2.95% | 0.06% | 8,361 |
| Q4 2024 | $147.5M | $130.3M | $60.0M | $17.7M | $1.2M | 0.81% | 2.68% | 0.16% | 8,472 |
| Q3 2024 | $146.4M | $129.9M | $61.2M | $17.1M | $838K | 0.76% | 2.65% | 0.34% | 8,438 |
| Q2 2024 | $146.7M | $130.7M | $61.1M | $16.8M | $478K | 0.65% | 2.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 8,626 |
Loan mix (Q1 2026): real estate $43.5M · commercial $4.3M · consumer $7.8M · securities $78.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 78.7% | 19th |
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% |
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