| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +7.0% | +2.9% | +4.1 pts |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 2.4% | 5.9% | -3.6 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $112.9M | $97.4M | $80.0M | $14.3M | $84K | 0.30% | 3.50% | 0.23% | 5,815 |
| Q4 2025 | $108.9M | $93.4M | $79.9M | $14.3M | $921K | 0.85% | 3.57% | 0.30% | 5,786 |
| Q3 2025 | $106.5M | $91.5M | $79.6M | $14.0M | $626K | 0.78% | 3.60% | 0.25% | 5,777 |
| Q2 2025 | $105.7M | $91.0M | $77.4M | $13.7M | $398K | 0.75% | 3.52% | 0.23% | 5,734 |
| Q1 2025 | $106.9M | $92.2M | $74.8M | $13.5M | $181K | 0.68% | 3.36% | 0.11% | 5,633 |
| Q4 2024 | $106.1M | $91.8M | $73.8M | $13.3M | $594K | 0.56% | 3.16% | 0.34% | 5,573 |
| Q3 2024 | $103.6M | $89.5M | $72.8M | $13.1M | $378K | 0.49% | 3.20% | 0.33% | 5,567 |
| Q2 2024 | $104.5M | $90.2M | $72.3M | $12.9M | $183K | 0.35% | 3.12% | 0.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,550 |
Loan mix (Q1 2026): real estate $28.0M · commercial $386K · consumer $50.9M · securities $18.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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.