| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +3.9% | +5.2 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | +12.7% | +2.9% | +9.7 pts |
| ROA | 1.69% | 0.69% | +1.0 pts |
| ROE | 9.9% | 5.9% | +4.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152.1M | $126.8M | $67.6M | $25.9M | $644K | 1.69% | 3.60% | 0.36% | 12,072 |
| Q4 2025 | $147.7M | $122.3M | $69.7M | $25.3M | $2.8M | 1.89% | 3.67% | 0.43% | 12,078 |
| Q3 2025 | $148.4M | $123.3M | $65.8M | $24.5M | $2.0M | 1.82% | 3.61% | 0.48% | 12,025 |
| Q2 2025 | $148.0M | $124.3M | $64.5M | $23.8M | $1.3M | 1.79% | 3.52% | 0.55% | 11,980 |
| Q1 2025 | $139.5M | $116.7M | $60.0M | $23.1M | $606K | 1.74% | 3.58% | 0.32% | 11,783 |
| Q4 2024 | $133.6M | $110.9M | $61.8M | $22.5M | $2.3M | 1.74% | 3.65% | 0.57% | 11,758 |
| Q3 2024 | $133.9M | $112.4M | $60.9M | $21.9M | $1.7M | 1.70% | 3.59% | 0.47% | 11,762 |
| Q2 2024 | $133.7M | $116.3M | $60.8M | $21.2M | $1.0M | 1.54% | 3.53% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 11,746 |
Loan mix (Q1 2026): real estate $2.1M · commercial $0 · consumer $61.8M · securities $54.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 78.7% | 18th |
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.