| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +9.9% | +2.9% | +7.0 pts |
| ROA | 0.96% | 0.69% | +0.3 pts |
| ROE | 11.3% | 5.9% | +5.4 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.1M | $97.9M | $37.3M | $9.1M | $257K | 0.96% | 3.73% | 0.56% | 7,432 |
| Q4 2025 | $104.8M | $96.0M | $35.9M | $8.8M | $1.2M | 1.16% | 3.71% | 0.72% | 7,545 |
| Q3 2025 | $104.2M | $95.9M | $35.1M | $8.5M | $837K | 1.07% | 3.63% | 0.71% | 7,651 |
| Q2 2025 | $105.1M | $97.5M | $34.6M | $8.3M | $649K | 1.23% | 3.50% | 0.77% | 8,993 |
| Q1 2025 | $105.1M | $97.6M | $33.9M | $7.9M | $298K | 1.13% | 3.36% | 0.42% | 8,290 |
| Q4 2024 | $101.7M | $95.2M | $34.9M | $7.6M | $380K | 0.37% | 3.10% | 0.62% | 8,993 |
| Q3 2024 | $102.3M | $95.8M | $34.7M | $7.5M | $251K | 0.33% | 2.97% | 0.36% | 8,584 |
| Q2 2024 | $102.6M | $97.4M | $34.6M | $7.4M | $154K | 0.30% | 2.86% | 0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.69% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,584 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $14.7M · securities $62.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.7% | 49th |
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% |
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