| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.9 pts |
| ROA | 1.31% | 0.69% | +0.6 pts |
| ROE | 9.2% | 5.9% | +3.2 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $196.7M | $167.7M | $78.5M | $28.1M | $645K | 1.31% | 3.51% | 0.21% | 16,628 |
| Q4 2025 | $186.6M | $158.2M | $74.3M | $27.5M | $3.0M | 1.61% | 3.64% | 0.35% | 16,517 |
| Q3 2025 | $180.9M | $153.2M | $74.1M | $26.9M | $2.4M | 1.76% | 3.72% | 0.32% | 16,490 |
| Q2 2025 | $182.2M | $155.3M | $73.4M | $26.0M | $1.6M | 1.73% | 3.65% | 0.35% | 16,408 |
| Q1 2025 | $182.3M | $156.3M | $75.6M | $25.2M | $714K | 1.57% | 3.57% | 0.36% | 16,383 |
| Q4 2024 | $176.8M | $151.9M | $76.7M | $24.5M | $2.8M | 1.61% | 3.67% | 0.52% | 16,367 |
| Q3 2024 | $176.6M | $152.3M | $76.5M | $24.0M | $2.3M | 1.77% | 3.68% | 0.57% | 16,286 |
| Q2 2024 | $178.4M | $154.7M | $75.2M | $23.3M | $1.6M | 1.82% | 3.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 16,177 |
Loan mix (Q1 2026): real estate $32.4M · commercial $210K · consumer $41.4M · securities $91.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 78.7% | 11th |
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.