| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +6.1% | +3.3% | +2.8 pts |
| Loan growth (YoY) | -4.7% | +2.9% | -7.6 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 4.8% | 5.9% | -1.2 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $131.3M | $109.5M | $94.5M | $21.2M | $254K | 0.77% | 4.77% | 1.55% | 10,760 |
| Q4 2025 | $128.4M | $106.8M | $96.0M | $21.0M | $2.1M | 1.64% | 4.91% | 2.73% | 10,746 |
| Q3 2025 | $125.6M | $104.3M | $96.9M | $20.7M | $1.8M | 1.95% | 4.98% | 1.95% | 10,849 |
| Q2 2025 | $125.7M | $104.8M | $98.6M | $20.2M | $1.3M | 2.13% | 4.88% | 2.39% | 10,859 |
| Q1 2025 | $123.4M | $103.2M | $99.1M | $19.6M | $727K | 2.36% | 4.86% | 1.59% | 10,848 |
| Q4 2024 | $118.5M | $98.9M | $100.3M | $18.9M | $2.0M | 1.67% | 5.03% | 1.97% | 10,851 |
| Q3 2024 | $118.0M | $99.1M | $102.4M | $18.5M | $1.6M | 1.81% | 4.98% | 1.20% | 10,963 |
| Q2 2024 | $119.9M | $101.0M | $102.9M | $17.9M | $1.1M | 1.76% | 4.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.95% |
| 10,944 |
Loan mix (Q1 2026): real estate $39.2M · commercial $11.2M · consumer $35.2M · securities $25.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 78.7% | 16th |
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.