| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.9% | +4.9 pts |
| Share growth (YoY) | +13.7% | +3.3% | +10.4 pts |
| Loan growth (YoY) | -1.0% | +2.9% | -3.9 pts |
| ROA | 1.26% | 0.69% | +0.6 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $170.3M | $138.8M | $116.5M | $23.2M | $538K | 1.26% | 3.11% | 0.95% | 4,170 |
| Q4 2025 | $158.9M | $129.0M | $117.9M | $22.7M | $1.9M | 1.18% | 3.41% | 0.72% | 4,885 |
| Q3 2025 | $158.2M | $122.6M | $120.4M | $22.0M | $1.2M | 1.05% | 3.38% | 0.37% | 4,952 |
| Q2 2025 | $156.7M | $122.2M | $120.0M | $21.8M | $994K | 1.27% | 3.35% | 0.21% | 4,990 |
| Q1 2025 | $156.5M | $122.1M | $117.7M | $21.3M | $528K | 1.35% | 3.21% | 0.18% | 5,015 |
| Q4 2024 | $160.2M | $121.8M | $115.6M | $20.8M | $1.2M | 0.77% | 2.83% | 0.29% | 5,028 |
| Q3 2024 | $153.9M | $114.4M | $107.8M | $20.7M | $1.1M | 0.99% | 2.90% | 0.03% | 5,186 |
| Q2 2024 | $152.2M | $114.0M | $103.8M | $20.3M | $771K | 1.01% | 2.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 5,105 |
Loan mix (Q1 2026): real estate $51.3M · commercial $43.5M · consumer $16.0M · securities $19.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 78.7% | 6th |
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.