| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.0 pts |
| Share growth (YoY) | +2.6% | +3.3% | -0.7 pts |
| Loan growth (YoY) | +2.9% | +2.9% | -0.0 pts |
| ROA | 0.58% | 0.69% | -0.1 pts |
| ROE | 7.5% | 5.9% | +1.6 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 | $142.7M | $132.1M | $54.8M | $11.0M | $207K | 0.58% | 2.82% | 0.59% | 10,854 |
| Q4 2025 | $139.3M | $129.1M | $54.6M | $10.9M | $618K | 0.44% | 2.75% | 0.46% | 10,859 |
| Q3 2025 | $137.6M | $127.7M | $54.6M | $10.6M | $399K | 0.39% | 2.72% | 0.53% | 10,851 |
| Q2 2025 | $136.4M | $127.5M | $53.7M | $10.5M | $278K | 0.41% | 2.67% | 0.30% | 10,792 |
| Q1 2025 | $137.3M | $128.8M | $53.3M | $10.4M | $127K | 0.37% | 2.60% | 0.29% | 10,783 |
| Q4 2024 | $132.7M | $125.3M | $53.6M | $10.3M | $207K | 0.16% | 2.37% | 0.60% | 10,769 |
| Q3 2024 | $133.0M | $125.1M | $54.3M | $10.2M | $180K | 0.18% | 2.32% | 0.81% | 10,764 |
| Q2 2024 | $133.8M | $126.7M | $54.2M | $10.1M | $80K | 0.12% | 2.16% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 10,703 |
Loan mix (Q1 2026): real estate $10.4M · commercial $0 · consumer $35.7M · securities $65.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 78.7% | 64th |
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.