| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.8 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | -11.2% | +2.9% | -14.1 pts |
| ROA | 0.90% | 0.69% | +0.2 pts |
| ROE | 8.8% | 5.9% | +2.8 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $181.5M | $161.3M | $64.4M | $18.6M | $409K | 0.90% | 3.20% | 0.48% | 17,611 |
| Q4 2025 | $175.0M | $155.5M | $65.8M | $18.2M | $1.9M | 1.08% | 3.34% | 0.53% | 17,571 |
| Q3 2025 | $178.4M | $158.1M | $70.0M | $17.6M | $1.3M | 0.94% | 3.22% | 0.39% | 17,583 |
| Q2 2025 | $171.9M | $153.3M | $67.7M | $17.1M | $745K | 0.87% | 3.30% | 0.22% | 17,514 |
| Q1 2025 | $165.4M | $147.1M | $72.6M | $16.6M | $237K | 0.57% | 3.31% | 0.22% | 17,493 |
| Q4 2024 | $155.7M | $137.5M | $77.5M | $16.3M | $1.8M | 1.15% | 3.45% | 0.25% | 17,490 |
| Q3 2024 | $157.3M | $137.8M | $81.1M | $16.3M | $1.7M | 1.45% | 3.37% | 0.25% | 17,470 |
| Q2 2024 | $156.0M | $137.9M | $77.8M | $15.2M | $664K | 0.85% | 3.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 17,401 |
Loan mix (Q1 2026): real estate $6.9M · commercial $0 · consumer $54.2M · securities $63.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 78.7% | 40th |
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.