| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.7 pts |
| Loan growth (YoY) | +9.3% | -2.4% | +11.7 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 12.7% | 4.1% | +8.6 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.1M | $54.6M | $41.4M | $7.3M | $233K | 1.50% | 3.75% | 0.07% | 3,735 |
| Q4 2025 | $59.5M | $52.2M | $41.5M | $7.1M | $948K | 1.59% | 3.97% | 0.12% | 3,602 |
| Q3 2025 | $59.9M | $52.8M | $40.8M | $6.9M | $709K | 1.58% | 3.92% | 0.22% | 3,608 |
| Q2 2025 | $60.4M | $53.5M | $39.4M | $6.6M | $481K | 1.59% | 3.84% | 0.10% | 3,578 |
| Q1 2025 | $60.5M | $53.9M | $37.9M | $6.4M | $232K | 1.53% | 3.76% | 0.11% | 3,563 |
| Q4 2024 | $58.1M | $51.8M | $38.2M | $6.2M | $966K | 1.66% | 3.98% | 0.19% | 3,565 |
| Q3 2024 | $56.6M | $50.5M | $37.0M | $5.9M | $739K | 1.74% | 4.10% | 0.33% | 3,579 |
| Q2 2024 | $56.9M | $51.0M | $36.1M | $5.7M | $498K | 1.75% | 4.05% | 0.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Lm Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,702 |
Loan mix (Q1 2026): real estate $20.1M · commercial $0 · consumer $18.7M · securities $4.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 81.5% | 15th |
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 | Lm Federal 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 | Lm Federal 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 | Lm Federal 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 | Lm Federal 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.