| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.1 pts |
| Loan growth (YoY) | +5.0% | +2.9% | +2.1 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 3.4% | 5.9% | -2.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.5M | $110.5M | $63.8M | $30.2M | $256K | 0.71% | 4.00% | 0.13% | 11,611 |
| Q4 2025 | $140.2M | $108.2M | $63.9M | $29.9M | $1.5M | 1.10% | 4.29% | 0.30% | 11,802 |
| Q3 2025 | $138.2M | $106.4M | $64.8M | $29.5M | $1.1M | 1.04% | 4.35% | 0.21% | 12,070 |
| Q2 2025 | $140.7M | $108.4M | $63.2M | $29.2M | $741K | 1.05% | 4.22% | 0.20% | 12,291 |
| Q1 2025 | $138.9M | $107.2M | $60.8M | $28.8M | $323K | 0.93% | 4.20% | 0.14% | 12,333 |
| Q4 2024 | $132.6M | $102.2M | $62.0M | $28.4M | $1.7M | 1.29% | 4.48% | 0.27% | 12,500 |
| Q3 2024 | $132.2M | $100.9M | $63.1M | $28.1M | $1.3M | 1.31% | 4.46% | 0.26% | 12,779 |
| Q2 2024 | $132.6M | $101.9M | $65.0M | $27.6M | $761K | 1.15% | 4.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 12,913 |
Loan mix (Q1 2026): real estate $6.3M · commercial $9.6M · consumer $36.9M · securities $55.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 78.7% | 70th |
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.