| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.5 pts |
| Share growth (YoY) | -1.8% | +3.3% | -5.1 pts |
| Loan growth (YoY) | -0.8% | +2.9% | -3.8 pts |
| ROA | 1.69% | 0.69% | +1.0 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $183.5M | $146.8M | $120.6M | $34.7M | $773K | 1.69% | 3.92% | 0.14% | 11,192 |
| Q4 2025 | $183.6M | $147.1M | $120.7M | $33.9M | $3.1M | 1.66% | 3.77% | 0.17% | 11,238 |
| Q3 2025 | $180.9M | $145.3M | $120.9M | $33.0M | $2.2M | 1.59% | 3.75% | 0.13% | 11,316 |
| Q2 2025 | $184.2M | $150.0M | $119.9M | $32.2M | $1.3M | 1.44% | 3.58% | 0.15% | 11,395 |
| Q1 2025 | $182.7M | $149.5M | $121.6M | $31.5M | $606K | 1.33% | 3.49% | 0.21% | 11,379 |
| Q4 2024 | $182.0M | $149.4M | $121.6M | $30.9M | $2.3M | 1.25% | 3.11% | 0.36% | 11,384 |
| Q3 2024 | $176.0M | $143.3M | $121.7M | $30.1M | $1.5M | 1.17% | 3.08% | 0.34% | 11,464 |
| Q2 2024 | $179.6M | $145.5M | $122.2M | $29.5M | $909K | 1.01% | 2.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 11,514 |
Loan mix (Q1 2026): real estate $50.2M · commercial $15.0M · consumer $37.2M · securities $48.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 78.7% | 11th |
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.