| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -0.2% | +3.3% | -3.5 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.6 pts |
| ROA | 0.43% | 0.69% | -0.3 pts |
| ROE | 3.9% | 5.9% | -2.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $177.7M | $157.9M | $129.3M | $19.4M | $190K | 0.43% | 2.60% | 1.04% | 9,350 |
| Q4 2025 | $176.6M | $156.7M | $128.3M | $19.2M | $477K | 0.27% | 2.45% | 0.93% | 9,366 |
| Q3 2025 | $177.4M | $158.3M | $123.7M | $19.1M | $302K | 0.23% | 2.35% | 1.08% | 9,340 |
| Q2 2025 | $175.3M | $156.4M | $126.3M | $18.9M | $171K | 0.20% | 2.33% | 0.78% | 9,380 |
| Q1 2025 | $177.7M | $158.1M | $131.5M | $18.8M | $68K | 0.15% | 2.23% | 0.58% | 9,371 |
| Q4 2024 | $172.4M | $153.5M | $131.0M | $18.8M | $191K | 0.11% | 2.02% | 0.58% | 9,351 |
| Q3 2024 | $172.6M | $154.6M | $127.6M | $18.7M | $141K | 0.11% | 1.86% | 0.58% | 9,275 |
| Q2 2024 | $169.5M | $152.2M | $131.5M | $18.7M | $93K | 0.11% | 1.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Libertyone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.69% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 9,270 |
Loan mix (Q1 2026): real estate $53.2M · commercial $0 · consumer $74.1M · securities $38.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 78.7% | 29th |
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 | Libertyone Credit Union | 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 | Libertyone Credit Union | 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 | Libertyone Credit Union | 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 | Libertyone Credit Union | 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.