| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.6 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 9.5% | 5.9% | +3.6 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.9M | $132.5M | $101.5M | $17.9M | $426K | 1.12% | 4.69% | 2.28% | 14,601 |
| Q4 2025 | $146.7M | $127.6M | $102.8M | $17.5M | $1.8M | 1.24% | 4.82% | 2.30% | 14,627 |
| Q3 2025 | $143.1M | $125.1M | $103.1M | $17.1M | $1.4M | 1.27% | 4.84% | 0.99% | 13,591 |
| Q2 2025 | $144.1M | $126.6M | $103.5M | $16.5M | $733K | 1.02% | 4.77% | 1.62% | 13,467 |
| Q1 2025 | $143.0M | $125.7M | $103.2M | $16.0M | $273K | 0.76% | 4.56% | 0.86% | 13,398 |
| Q4 2024 | $137.8M | $121.4M | $104.0M | $15.7M | $1.5M | 1.12% | 4.84% | 0.99% | 13,377 |
| Q3 2024 | $135.6M | $119.4M | $104.8M | $15.5M | $1.2M | 1.17% | 4.80% | 1.66% | 13,351 |
| Q2 2024 | $136.5M | $119.5M | $104.0M | $15.2M | $881K | 1.29% | 4.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.09% |
| 13,286 |
Loan mix (Q1 2026): real estate $40.6M · commercial $0 · consumer $45.8M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 78.7% | 37th |
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.