| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.9% | -0.3 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +6.4% | +2.9% | +3.5 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $190.6M | $166.7M | $128.8M | $23.8M | $394K | 0.83% | 4.44% | 0.19% | 13,461 |
| Q4 2025 | $185.2M | $161.6M | $128.1M | $23.5M | $2.2M | 1.18% | 4.57% | 0.39% | 13,387 |
| Q3 2025 | $185.8M | $162.7M | $125.8M | $22.8M | $1.5M | 1.10% | 4.51% | 0.19% | 13,356 |
| Q2 2025 | $185.1M | $163.1M | $121.7M | $22.3M | $983K | 1.06% | 4.43% | 0.30% | 13,255 |
| Q1 2025 | $184.0M | $162.6M | $121.0M | $21.7M | $395K | 0.86% | 4.33% | 0.23% | 13,188 |
| Q4 2024 | $177.5M | $157.1M | $119.7M | $21.3M | $1.9M | 1.08% | 4.42% | 0.42% | 13,125 |
| Q3 2024 | $175.6M | $154.7M | $119.4M | $20.9M | $1.4M | 1.10% | 4.42% | 0.59% | 13,106 |
| Q2 2024 | $178.6M | $159.1M | $120.0M | $20.4M | $985K | 1.10% | 4.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 13,050 |
Loan mix (Q1 2026): real estate $58.6M · commercial $202K · consumer $65.5M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 78.7% | 50th |
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.