| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +3.9% | -3.3 pts |
| Share growth (YoY) | -1.6% | +3.3% | -4.9 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.4 pts |
| ROA | 1.57% | 0.69% | +0.9 pts |
| ROE | 7.4% | 5.9% | +1.4 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $239.2M | $188.6M | $64.1M | $51.1M | $942K | 1.57% | 3.48% | 0.81% | 14,640 |
| Q4 2025 | $236.2M | $186.4M | $66.2M | $50.1M | $3.0M | 1.27% | 3.24% | 0.71% | 14,653 |
| Q3 2025 | $237.9M | $189.2M | $66.3M | $49.4M | $2.2M | 1.25% | 3.12% | 0.77% | 14,647 |
| Q2 2025 | $235.6M | $189.3M | $67.2M | $48.5M | $1.3M | 1.10% | 3.04% | 0.65% | 14,623 |
| Q1 2025 | $237.7M | $191.7M | $63.8M | $47.7M | $554K | 0.93% | 2.90% | 0.63% | 14,960 |
| Q4 2024 | $229.9M | $186.8M | $64.4M | $47.2M | $1.7M | 0.73% | 2.63% | 0.88% | 14,956 |
| Q3 2024 | $232.2M | $187.6M | $65.3M | $46.6M | $1.1M | 0.61% | 2.51% | 0.75% | 14,942 |
| Q2 2024 | $234.6M | $191.6M | $65.5M | $46.1M | $590K | 0.50% | 2.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 14,950 |
Loan mix (Q1 2026): real estate $9.2M · commercial $0 · consumer $49.6M · securities $149.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 78.7% | 12th |
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.