| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.4 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.1 pts |
| ROA | 1.05% | 0.69% | +0.4 pts |
| ROE | 11.4% | 5.9% | +5.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $112.7M | $101.6M | $86.8M | $10.4M | $296K | 1.05% | 4.23% | 0.19% | 6,076 |
| Q4 2025 | $112.1M | $101.3M | $87.9M | $9.9M | $644K | 0.57% | 3.81% | 0.00% | 6,037 |
| Q3 2025 | $114.6M | $103.5M | $88.8M | $9.8M | $515K | 0.60% | 3.68% | 0.24% | 5,997 |
| Q2 2025 | $110.7M | $99.6M | $89.6M | $9.4M | $230K | 0.42% | 3.52% | 0.17% | 5,994 |
| Q1 2025 | $109.0M | $99.1M | $87.8M | $9.2M | $13K | 0.05% | 3.69% | 0.00% | 5,966 |
| Q4 2024 | $105.6M | $95.6M | $88.1M | $9.2M | $-121K | -0.11% | 3.37% | 0.09% | 5,976 |
| Q3 2024 | $103.7M | $93.0M | $86.2M | $9.2M | $-189K | -0.24% | 3.29% | 0.04% | 6,025 |
| Q2 2024 | $101.7M | $89.8M | $84.9M | $9.1M | $-288K | -0.57% | 3.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | North Star Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 6,145 |
Loan mix (Q1 2026): real estate $50.7M · commercial $14.6M · consumer $15.2M · securities $6.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.7% | 50th |
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 | North Star Credit Union | 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 | North Star Credit Union | 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 | North Star Credit Union | 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 | North Star Credit Union | 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.