| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +3.9% | -5.6 pts |
| Share growth (YoY) | -5.1% | +3.3% | -8.4 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.2 pts |
| ROA | 2.54% | 0.69% | +1.9 pts |
| ROE | 16.2% | 5.9% | +10.3 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $109.6M | $91.3M | $88.5M | $17.2M | $697K | 2.54% | 5.84% | 3.06% | 7,962 |
| Q4 2025 | $114.3M | $96.9M | $86.8M | $14.1M | $1.8M | 1.54% | 4.69% | 3.85% | 7,608 |
| Q3 2025 | $110.0M | $93.3M | $88.0M | $16.4M | $1.3M | 1.62% | 5.57% | 3.35% | 7,710 |
| Q2 2025 | $110.6M | $94.8M | $86.7M | $16.0M | $966K | 1.75% | 5.45% | 3.89% | 7,719 |
| Q1 2025 | $111.4M | $96.2M | $86.2M | $15.6M | $509K | 1.83% | 5.32% | 2.43% | 7,630 |
| Q4 2024 | $114.3M | $96.9M | $86.8M | $14.1M | $1.8M | 1.54% | 4.69% | 3.85% | 7,608 |
| Q3 2024 | $108.7M | $87.6M | $85.3M | $13.5M | $1.2M | 1.44% | 4.79% | 2.85% | 7,537 |
| Q2 2024 | $105.6M | $83.5M | $81.7M | $12.9M | $530K | 1.00% | 4.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.54% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.15% |
| 7,452 |
Loan mix (Q1 2026): real estate $54.4M · commercial $2.8M · consumer $25.5M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 78.7% | 10th |
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% |
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