| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.8 pts |
| ROA | 0.86% | 0.69% | +0.2 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $118.0M | $104.0M | $65.3M | $13.4M | $253K | 0.86% | 2.77% | 1.24% | 6,771 |
| Q4 2025 | $113.8M | $100.1M | $65.0M | $13.1M | $1.1M | 0.97% | 2.94% | 0.81% | 6,759 |
| Q3 2025 | $113.0M | $99.4M | $62.1M | $12.9M | $769K | 0.91% | 2.93% | 0.81% | 6,679 |
| Q2 2025 | $112.2M | $98.9M | $62.2M | $12.6M | $557K | 0.99% | 2.87% | 0.73% | 6,664 |
| Q1 2025 | $109.7M | $96.8M | $62.9M | $12.3M | $333K | 1.21% | 2.81% | 0.50% | 6,612 |
| Q4 2024 | $107.6M | $94.8M | $64.2M | $12.1M | $825K | 0.77% | 2.66% | 1.00% | 6,601 |
| Q3 2024 | $106.1M | $93.6M | $66.2M | $11.9M | $521K | 0.65% | 2.69% | 0.92% | 6,732 |
| Q2 2024 | $105.8M | $93.6M | $68.5M | $11.6M | $377K | 0.71% | 2.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 6,694 |
Loan mix (Q1 2026): real estate $19.6M · commercial $2.5M · consumer $40.7M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 78.7% | 21th |
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.