| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 6.7% | 5.9% | +0.7 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.3M | $141.0M | $117.5M | $14.0M | $234K | 0.57% | 3.51% | 0.50% | 4,517 |
| Q4 2025 | $159.2M | $135.9M | $115.0M | $13.7M | $1.1M | 0.68% | 3.40% | 0.54% | 4,482 |
| Q3 2025 | $159.8M | $136.7M | $113.4M | $13.4M | $776K | 0.65% | 3.36% | 0.54% | 4,431 |
| Q2 2025 | $158.7M | $136.2M | $110.9M | $13.1M | $449K | 0.57% | 3.24% | 0.52% | 4,383 |
| Q1 2025 | $157.3M | $135.0M | $110.0M | $13.0M | $306K | 0.78% | 3.28% | 0.46% | 4,362 |
| Q4 2024 | $154.8M | $133.1M | $110.1M | $12.7M | $36K | 0.02% | 2.74% | 0.18% | 4,309 |
| Q3 2024 | $146.8M | $128.8M | $99.4M | $12.8M | $175K | 0.16% | 2.77% | 0.58% | 4,291 |
| Q2 2024 | $152.8M | $131.2M | $100.3M | $12.7M | $44K | 0.06% | 2.53% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 4,256 |
Loan mix (Q1 2026): real estate $80.2M · commercial $865K · consumer $34.5M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
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.