| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +11.5% | +2.9% | +8.5 pts |
| ROA | 1.91% | 0.69% | +1.2 pts |
| ROE | 13.0% | 5.9% | +7.0 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $206.1M | $174.4M | $99.0M | $30.3M | $982K | 1.91% | 3.51% | 0.29% | 13,576 |
| Q4 2025 | $199.7M | $171.2M | $95.8M | $29.3M | $3.5M | 1.77% | 3.25% | 0.28% | 13,652 |
| Q3 2025 | $197.6M | $167.6M | $94.8M | $28.7M | $3.0M | 2.00% | 3.50% | 0.17% | 13,731 |
| Q2 2025 | $192.3M | $163.2M | $94.7M | $27.5M | $1.7M | 1.82% | 3.57% | 0.21% | 13,803 |
| Q1 2025 | $191.7M | $163.3M | $88.8M | $26.6M | $814K | 1.70% | 3.48% | 0.32% | 13,802 |
| Q4 2024 | $184.3M | $157.4M | $92.1M | $25.7M | $3.3M | 1.77% | 3.38% | 0.25% | 13,853 |
| Q3 2024 | $182.2M | $155.6M | $94.5M | $25.0M | $2.6M | 1.88% | 3.56% | 0.29% | 13,847 |
| Q2 2024 | $182.8M | $155.5M | $96.7M | $24.2M | $1.7M | 1.86% | 3.48% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 13,856 |
Loan mix (Q1 2026): real estate $18.5M · commercial $0 · consumer $68.4M · securities $73.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 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.