| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | -1.8% | +2.9% | -4.7 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 4.6% | 5.9% | -1.3 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $218.0M | $178.6M | $160.7M | $26.0M | $300K | 0.55% | 3.22% | 0.49% | 12,861 |
| Q4 2025 | $214.0M | $175.0M | $158.0M | $25.7M | $1.7M | 0.78% | 3.11% | 0.25% | 12,840 |
| Q3 2025 | $214.9M | $175.5M | $170.2M | $25.2M | $1.1M | 0.69% | 3.03% | 0.30% | 12,905 |
| Q2 2025 | $215.3M | $175.3M | $170.7M | $24.6M | $572K | 0.53% | 2.88% | 0.31% | 12,958 |
| Q1 2025 | $212.6M | $173.0M | $163.6M | $24.2M | $183K | 0.35% | 2.72% | 0.09% | 12,905 |
| Q4 2024 | $212.1M | $166.5M | $157.3M | $24.1M | $972K | 0.46% | 2.56% | 0.47% | 12,863 |
| Q3 2024 | $211.8M | $165.8M | $156.2M | $23.8M | $705K | 0.44% | 2.53% | 0.50% | 13,010 |
| Q2 2024 | $211.0M | $163.8M | $163.4M | $23.7M | $512K | 0.49% | 2.57% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 13,167 |
Loan mix (Q1 2026): real estate $69.2M · commercial $5.6M · consumer $82.9M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 78.7% | 40th |
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.