| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | +0.0 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.6 pts |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 3.7% | 5.9% | -2.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $158.2M | $142.8M | $106.5M | $12.8M | $118K | 0.30% | 4.21% | 0.09% | 14,709 |
| Q4 2025 | $154.7M | $139.3M | $109.2M | $12.7M | $805K | 0.52% | 4.22% | 0.13% | 14,808 |
| Q3 2025 | $153.9M | $139.0M | $111.7M | $12.5M | $514K | 0.45% | 4.19% | 0.11% | 15,033 |
| Q2 2025 | $154.2M | $139.3M | $106.6M | $12.2M | $266K | 0.35% | 4.09% | 0.10% | 14,933 |
| Q1 2025 | $152.3M | $137.7M | $102.9M | $12.1M | $107K | 0.28% | 4.01% | 0.18% | 14,950 |
| Q4 2024 | $147.1M | $132.7M | $100.6M | $12.0M | $1.0M | 0.70% | 4.05% | 0.32% | 14,860 |
| Q3 2024 | $147.5M | $133.0M | $99.3M | $11.8M | $785K | 0.71% | 4.00% | 0.30% | 14,938 |
| Q2 2024 | $150.2M | $134.8M | $96.5M | $11.5M | $525K | 0.70% | 3.91% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 14,954 |
Loan mix (Q1 2026): real estate $32.7M · commercial $0 · consumer $70.4M · securities $28.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 78.7% | 93th |
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.