| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.0 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | +4.2% | +2.9% | +1.2 pts |
| ROA | 1.07% | 0.69% | +0.4 pts |
| ROE | 11.8% | 5.9% | +5.8 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $141.6M | $128.2M | $108.8M | $12.9M | $379K | 1.07% | 3.07% | 1.92% | 8,664 |
| Q4 2025 | $138.2M | $125.3M | $106.1M | $12.5M | $1.1M | 0.83% | 2.97% | 2.64% | 8,687 |
| Q3 2025 | $137.3M | $124.5M | $105.8M | $12.4M | $1.1M | 1.05% | 2.94% | 3.18% | 8,706 |
| Q2 2025 | $136.1M | $123.7M | $105.2M | $12.1M | $756K | 1.11% | 2.90% | 3.59% | 8,745 |
| Q1 2025 | $136.2M | $124.1M | $104.5M | $11.8M | $468K | 1.37% | 2.92% | 2.50% | 8,748 |
| Q4 2024 | $132.8M | $121.1M | $106.6M | $11.4M | $-749K | -0.56% | 2.86% | 2.99% | 8,782 |
| Q3 2024 | $129.1M | $117.1M | $106.7M | $12.0M | $306K | 0.32% | 2.93% | 3.45% | 8,859 |
| Q2 2024 | $133.7M | $121.2M | $105.8M | $12.5M | $688K | 1.03% | 3.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.26% |
| 8,895 |
Loan mix (Q1 2026): real estate $46.0M · commercial $357K · consumer $51.3M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 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.