| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +3.9% | +6.6 pts |
| Share growth (YoY) | +11.3% | +3.3% | +8.0 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | 1.23% | 0.69% | +0.5 pts |
| ROE | 8.3% | 5.9% | +2.4 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.2M | $112.6M | $23.6M | $19.6M | $406K | 1.23% | 2.26% | 1.42% | 7,822 |
| Q4 2025 | $127.1M | $107.8M | $24.0M | $19.2M | $1.2M | 0.91% | 2.06% | 1.63% | 7,842 |
| Q3 2025 | $123.5M | $104.2M | $24.5M | $19.3M | $1.3M | 1.36% | 2.52% | 1.57% | 7,910 |
| Q2 2025 | $122.3M | $103.3M | $24.6M | $18.9M | $870K | 1.42% | 2.52% | 1.63% | 7,939 |
| Q1 2025 | $119.6M | $101.2M | $24.2M | $18.4M | $406K | 1.36% | 2.44% | 1.30% | 7,943 |
| Q4 2024 | $112.0M | $93.9M | $25.0M | $18.0M | $1.4M | 1.28% | 2.37% | 1.35% | 7,856 |
| Q3 2024 | $107.5M | $89.3M | $25.0M | $18.2M | $1.6M | 1.99% | 3.04% | 1.66% | 7,813 |
| Q2 2024 | $106.0M | $88.2M | $24.4M | $17.7M | $1.1M | 2.14% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.37% |
| 7,784 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $20.0M · securities $82.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 78.7% | 4th |
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.