| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | +5.7% | +2.9% | +2.8 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $136.8M | $124.2M | $108.1M | $12.5M | $166K | 0.49% | 4.38% | 0.61% | 18,291 |
| Q4 2025 | $133.4M | $122.0M | $107.7M | $12.3M | $371K | 0.28% | 4.38% | 0.75% | 18,163 |
| Q3 2025 | $132.1M | $120.4M | $106.9M | $12.4M | $319K | 0.32% | 4.34% | 0.71% | 19,086 |
| Q2 2025 | $129.7M | $117.8M | $104.6M | $12.4M | $269K | 0.41% | 4.29% | 0.63% | 18,834 |
| Q1 2025 | $133.5M | $122.1M | $102.3M | $12.5M | $9K | 0.03% | 3.99% | 0.56% | 19,101 |
| Q4 2024 | $132.4M | $120.8M | $101.6M | $12.0M | $423K | 0.32% | 3.61% | 0.78% | 18,849 |
| Q3 2024 | $120.6M | $107.9M | $97.2M | $11.0M | $311K | 0.34% | 3.84% | 0.80% | 17,444 |
| Q2 2024 | $122.0M | $110.8M | $94.1M | $10.9M | $131K | 0.21% | 3.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 17,188 |
Loan mix (Q1 2026): real estate $35.3M · commercial $0 · consumer $72.5M · securities $12.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 78.7% | 71th |
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.