| Metric | Northern Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.8% | -1.1 pts |
| Share growth (YoY) | +4.9% | +4.3% | +0.6 pts |
| Loan growth (YoY) | +2.9% | +4.3% | -1.5 pts |
| ROA | 0.03% | 0.62% | -0.6 pts |
| ROE | 0.3% | 5.9% | -5.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $682.1M | $599.4M | $546.4M | $70.7M | $56K | 0.03% | 3.70% | 0.67% | 45,187 |
| Q4 2025 | $678.4M | $594.0M | $544.3M | $70.7M | $1.6M | 0.23% | 3.62% | 0.76% | 45,070 |
| Q3 2025 | $658.0M | $574.0M | $539.6M | $70.2M | $1.1M | 0.22% | 3.71% | 0.91% | 45,324 |
| Q2 2025 | $667.1M | $583.0M | $529.8M | $69.6M | $486K | 0.15% | 3.59% | 0.72% | 45,059 |
| Q1 2025 | $658.1M | $571.5M | $531.3M | $69.1M | $-23K | -0.01% | 3.55% | 0.83% | 44,695 |
| Q4 2024 | $634.2M | $548.4M | $526.9M | $69.1M | $1.6M | 0.26% | 3.64% | 1.11% | 44,471 |
| Q3 2024 | $622.7M | $535.8M | $530.8M | $68.8M | $1.4M | 0.29% | 3.72% | 1.03% | 44,711 |
| Q2 2024 | $626.1M | $540.2M | $524.5M | $68.1M | $661K | 0.21% | 3.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Northern Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.62% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 44,384 |
Loan mix (Q1 2026): real estate $355.9M · commercial $76.8M · consumer $93.2M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 78.3% | 97th |
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 | Northern 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 | Northern 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 | Northern 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 | Northern 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.