| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.0 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -0.3% | +2.9% | -3.2 pts |
| ROA | 2.14% | 0.69% | +1.4 pts |
| ROE | 14.8% | 5.9% | +8.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $116.3M | $97.5M | $54.6M | $16.8M | $621K | 2.14% | 3.96% | 0.72% | 8,230 |
| Q4 2025 | $113.0M | $95.3M | $55.2M | $16.2M | $2.3M | 2.07% | 4.13% | 0.61% | 8,247 |
| Q3 2025 | $110.4M | $93.0M | $56.6M | $15.7M | $1.8M | 2.23% | 4.20% | 0.83% | 8,250 |
| Q2 2025 | $112.0M | $95.2M | $54.7M | $15.1M | $1.2M | 2.10% | 4.09% | 1.03% | 8,212 |
| Q1 2025 | $110.8M | $94.9M | $54.8M | $14.4M | $568K | 2.05% | 4.05% | 0.74% | 8,265 |
| Q4 2024 | $106.7M | $91.5M | $55.5M | $13.9M | $2.1M | 2.00% | 4.14% | 0.68% | 8,307 |
| Q3 2024 | $108.6M | $93.7M | $57.0M | $13.4M | $1.6M | 2.02% | 4.05% | 0.72% | 8,399 |
| Q2 2024 | $111.7M | $97.1M | $55.0M | $12.8M | $1.1M | 1.89% | 3.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 8,430 |
Loan mix (Q1 2026): real estate $6.1M · commercial $0 · consumer $42.6M · securities $35.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 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.