| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -1.0 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +3.4% | +2.9% | +0.4 pts |
| ROA | 1.62% | 0.69% | +0.9 pts |
| ROE | 8.1% | 5.9% | +2.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $197.4M | $158.5M | $124.4M | $39.4M | $802K | 1.62% | 3.24% | 0.32% | 9,491 |
| Q4 2025 | $194.9M | $156.4M | $122.8M | $38.6M | $3.3M | 1.68% | 3.44% | 0.35% | 9,549 |
| Q3 2025 | $193.6M | $155.6M | $121.3M | $37.8M | $2.5M | 1.71% | 3.35% | 0.35% | 9,610 |
| Q2 2025 | $191.7M | $155.1M | $120.7M | $37.1M | $1.8M | 1.88% | 3.35% | 0.16% | 10,246 |
| Q1 2025 | $191.7M | $156.7M | $120.3M | $36.1M | $852K | 1.78% | 3.24% | 0.23% | 10,351 |
| Q4 2024 | $188.2M | $154.6M | $119.7M | $35.3M | $3.6M | 1.91% | 3.92% | 0.34% | 10,472 |
| Q3 2024 | $187.8M | $152.8M | $120.3M | $34.5M | $2.8M | 2.02% | 4.05% | 0.29% | 10,558 |
| Q2 2024 | $181.6M | $149.4M | $120.2M | $33.7M | $2.0M | 2.21% | 4.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 10,575 |
Loan mix (Q1 2026): real estate $24.3M · commercial $0 · consumer $93.9M · securities $46.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.2% | 78.7% | 5th |
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.