| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.9% | -6.7 pts |
| Share growth (YoY) | -3.7% | +3.3% | -7.0 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.22% | 0.69% | +0.5 pts |
| ROE | 11.4% | 5.9% | +5.4 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.5M | $111.8M | $87.1M | $13.6M | $387K | 1.22% | 4.27% | 0.49% | 9,983 |
| Q4 2025 | $123.5M | $107.5M | $86.8M | $13.2M | $931K | 0.75% | 4.28% | 0.85% | 9,935 |
| Q3 2025 | $124.4M | $110.7M | $86.9M | $13.2M | $740K | 0.79% | 4.19% | 1.85% | 9,900 |
| Q2 2025 | $127.9M | $114.6M | $85.7M | $12.9M | $446K | 0.70% | 3.99% | 1.90% | 9,891 |
| Q1 2025 | $130.0M | $116.1M | $84.5M | $12.8M | $286K | 0.88% | 3.84% | 0.61% | 9,925 |
| Q4 2024 | $128.1M | $115.3M | $86.2M | $12.5M | $1.2M | 0.98% | 3.85% | 0.74% | 9,948 |
| Q3 2024 | $124.7M | $112.2M | $86.6M | $12.4M | $969K | 1.04% | 3.93% | 0.68% | 10,006 |
| Q2 2024 | $127.0M | $115.0M | $86.8M | $12.2M | $725K | 1.14% | 3.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 10,001 |
Loan mix (Q1 2026): real estate $36.7M · commercial $16.3M · consumer $30.2M · securities $15.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 78.7% | 43th |
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.