| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.7 pts |
| ROA | 1.34% | 0.69% | +0.7 pts |
| ROE | 10.3% | 5.9% | +4.3 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $243.5M | $210.3M | $165.1M | $31.8M | $818K | 1.34% | 4.28% | 0.93% | 15,556 |
| Q4 2025 | $241.4M | $207.8M | $165.1M | $31.0M | $3.0M | 1.26% | 4.13% | 1.43% | 15,525 |
| Q3 2025 | $237.1M | $203.8M | $162.0M | $30.2M | $2.1M | 1.18% | 4.13% | 1.87% | 15,537 |
| Q2 2025 | $237.6M | $205.6M | $159.2M | $29.4M | $1.3M | 1.08% | 4.03% | 2.51% | 15,501 |
| Q1 2025 | $238.8M | $207.0M | $153.4M | $29.3M | $630K | 1.06% | 3.79% | 2.38% | 15,374 |
| Q4 2024 | $233.3M | $202.7M | $145.6M | $28.6M | $3.5M | 1.49% | 4.03% | 4.00% | 15,213 |
| Q3 2024 | $225.9M | $196.8M | $160.0M | $27.7M | $2.4M | 1.39% | 4.20% | 2.53% | 15,089 |
| Q2 2024 | $220.0M | $192.2M | $158.8M | $26.8M | $1.5M | 1.33% | 4.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.90% |
| 14,908 |
Loan mix (Q1 2026): real estate $62.4M · commercial $3.6M · consumer $97.6M · securities $34.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 78.7% | 19th |
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.