| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +4.2% | +3.3% | +0.9 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.6 pts |
| ROA | 2.32% | 0.69% | +1.6 pts |
| ROE | 14.4% | 5.9% | +8.5 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 | $141.3M | $116.5M | $99.7M | $22.8M | $820K | 2.32% | 4.12% | 0.22% | 10,109 |
| Q4 2025 | $138.0M | $114.6M | $102.9M | $21.9M | $3.3M | 2.42% | 4.24% | 0.19% | 10,147 |
| Q3 2025 | $136.1M | $113.2M | $103.2M | $21.0M | $2.4M | 2.37% | 4.27% | 0.29% | 10,134 |
| Q2 2025 | $135.9M | $113.7M | $103.8M | $20.1M | $1.5M | 2.21% | 4.19% | 0.20% | 10,118 |
| Q1 2025 | $133.6M | $111.8M | $99.4M | $19.3M | $706K | 2.11% | 4.19% | 0.35% | 9,981 |
| Q4 2024 | $128.1M | $108.1M | $97.8M | $18.6M | $3.0M | 2.31% | 4.24% | 0.36% | 9,899 |
| Q3 2024 | $126.0M | $106.4M | $98.3M | $17.8M | $2.1M | 2.26% | 4.26% | 0.70% | 9,890 |
| Q2 2024 | $129.5M | $110.1M | $98.6M | $17.0M | $1.3M | 2.02% | 4.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.32% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 9,869 |
Loan mix (Q1 2026): real estate $38.2M · commercial $0 · consumer $58.2M · securities $9.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 78.7% | 3th |
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.