| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +3.9% | -2.7 pts |
| Share growth (YoY) | -0.2% | +3.3% | -3.5 pts |
| Loan growth (YoY) | +15.3% | +2.9% | +12.4 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 5.7% | 5.9% | -0.3 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.9M | $124.6M | $78.1M | $15.2M | $215K | 0.63% | 4.23% | 0.29% | 18,088 |
| Q4 2025 | $134.2M | $123.3M | $78.0M | $14.9M | $1.0M | 0.77% | 4.29% | 0.47% | 18,068 |
| Q3 2025 | $135.2M | $123.8M | $76.4M | $14.9M | $809K | 0.80% | 4.20% | 1.03% | 18,026 |
| Q2 2025 | $136.2M | $126.0M | $72.9M | $14.6M | $551K | 0.81% | 4.11% | 0.86% | 18,041 |
| Q1 2025 | $134.2M | $124.8M | $67.8M | $14.3M | $218K | 0.65% | 4.06% | 0.68% | 18,192 |
| Q4 2024 | $129.8M | $120.6M | $63.9M | $14.0M | $2.0M | 1.57% | 4.15% | 0.85% | 18,056 |
| Q3 2024 | $134.7M | $125.0M | $64.8M | $13.9M | $1.8M | 1.77% | 3.98% | 0.68% | 18,069 |
| Q2 2024 | $135.8M | $127.8M | $64.4M | $13.5M | $1.4M | 2.08% | 3.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 18,109 |
Loan mix (Q1 2026): real estate $15.0M · commercial $12K · consumer $57.9M · securities $35.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 78.7% | 66th |
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.