| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +3.9% | +6.1 pts |
| Share growth (YoY) | +9.9% | +3.3% | +6.6 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 1.04% | 0.69% | +0.3 pts |
| ROE | 7.7% | 5.9% | +1.7 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 | $177.7M | $152.6M | $67.4M | $24.1M | $463K | 1.04% | 3.05% | 0.00% | 7,156 |
| Q4 2025 | $168.9M | $144.9M | $64.7M | $23.7M | $2.1M | 1.24% | 3.27% | 0.24% | 7,144 |
| Q3 2025 | $167.4M | $144.0M | $66.7M | $23.1M | $1.5M | 1.20% | 3.20% | 0.23% | 7,136 |
| Q2 2025 | $161.9M | $139.0M | $66.4M | $22.6M | $999K | 1.23% | 3.25% | 0.00% | 7,088 |
| Q1 2025 | $161.6M | $138.8M | $64.0M | $22.0M | $454K | 1.12% | 3.11% | 0.01% | 7,075 |
| Q4 2024 | $155.1M | $134.0M | $59.0M | $21.6M | $5.0M | 3.22% | 3.11% | 0.00% | 7,016 |
| Q3 2024 | $154.4M | $131.6M | $59.6M | $20.0M | $3.4M | 2.96% | 3.12% | 0.00% | 7,092 |
| Q2 2024 | $145.5M | $123.4M | $58.6M | $18.9M | $2.3M | 3.15% | 3.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.69% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 7,179 |
Loan mix (Q1 2026): real estate $32.3M · commercial $21.2M · consumer $8.7M · securities $80.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 78.7% | 32th |
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.