| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.9% | -0.5 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | -9.8% | +2.9% | -12.7 pts |
| ROA | 1.24% | 0.69% | +0.5 pts |
| ROE | 8.4% | 5.9% | +2.4 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.7M | $100.2M | $40.3M | $17.4M | $364K | 1.24% | 3.42% | 0.24% | 4,834 |
| Q4 2025 | $113.1M | $95.8M | $43.5M | $17.1M | $774K | 0.68% | 3.55% | 0.07% | 4,872 |
| Q3 2025 | $113.6M | $96.3M | $46.4M | $17.3M | $1.0M | 1.18% | 3.44% | 1.07% | 4,866 |
| Q2 2025 | $111.9M | $94.8M | $45.2M | $17.0M | $670K | 1.20% | 3.46% | 1.29% | 4,987 |
| Q1 2025 | $113.8M | $97.0M | $44.6M | $16.7M | $363K | 1.28% | 3.46% | 2.66% | 4,984 |
| Q4 2024 | $109.9M | $92.9M | $44.7M | $16.4M | $698K | 0.63% | 3.01% | 2.93% | 4,962 |
| Q3 2024 | $105.7M | $89.0M | $46.7M | $16.4M | $723K | 0.91% | 3.32% | 2.84% | 4,952 |
| Q2 2024 | $105.8M | $89.1M | $46.9M | $16.2M | $487K | 0.92% | 3.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.98% |
| 4,956 |
Loan mix (Q1 2026): real estate $3.9M · commercial $27.0M · consumer $7.3M · securities $57.8M
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.