| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +3.9% | -2.2 pts |
| Share growth (YoY) | +0.0% | +3.3% | -3.3 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.1 pts |
| ROA | 1.40% | 0.69% | +0.7 pts |
| ROE | 10.2% | 5.9% | +4.2 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $205.7M | $179.1M | $95.3M | $28.3M | $719K | 1.40% | 4.31% | 0.33% | 17,123 |
| Q4 2025 | $207.4M | $181.0M | $96.2M | $27.8M | $2.7M | 1.30% | 4.17% | 0.24% | 16,984 |
| Q3 2025 | $205.2M | $179.5M | $96.9M | $27.0M | $2.0M | 1.28% | 4.13% | 0.38% | 16,860 |
| Q2 2025 | $199.9M | $175.9M | $98.1M | $26.3M | $1.2M | 1.20% | 4.15% | 0.32% | 16,668 |
| Q1 2025 | $202.4M | $179.0M | $91.6M | $25.7M | $634K | 1.25% | 3.91% | 0.37% | 16,933 |
| Q4 2024 | $195.0M | $173.2M | $95.1M | $25.2M | $2.6M | 1.33% | 4.17% | 0.34% | 16,883 |
| Q3 2024 | $194.0M | $171.8M | $97.1M | $24.5M | $1.9M | 1.29% | 4.17% | 0.33% | 16,824 |
| Q2 2024 | $193.6M | $173.7M | $95.7M | $23.6M | $1.0M | 1.05% | 4.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 16,783 |
Loan mix (Q1 2026): real estate $50.5M · commercial $0 · consumer $43.6M · securities $61.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 78.7% | 30th |
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.