| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.8 pts |
| ROA | 0.68% | 0.69% | -0.0 pts |
| ROE | 3.6% | 5.9% | -2.4 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $168.2M | $141.6M | $85.9M | $32.0M | $287K | 0.68% | 2.70% | 0.56% | 7,647 |
| Q4 2025 | $165.8M | $139.6M | $85.9M | $31.7M | $1.1M | 0.69% | 2.51% | 0.56% | 7,604 |
| Q3 2025 | $162.5M | $136.4M | $88.0M | $31.5M | $923K | 0.76% | 2.51% | 0.51% | 7,593 |
| Q2 2025 | $162.2M | $137.0M | $89.0M | $31.0M | $388K | 0.48% | 2.42% | 0.40% | 7,606 |
| Q1 2025 | $163.6M | $139.2M | $89.4M | $30.8M | $178K | 0.43% | 2.28% | 0.27% | 7,577 |
| Q4 2024 | $161.5M | $138.5M | $91.1M | $30.6M | $1.0M | 0.64% | 2.18% | 0.61% | 7,530 |
| Q3 2024 | $163.8M | $139.4M | $91.2M | $30.5M | $935K | 0.76% | 2.12% | 0.55% | 7,452 |
| Q2 2024 | $163.6M | $141.0M | $92.4M | $30.3M | $685K | 0.84% | 2.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 7,518 |
Loan mix (Q1 2026): real estate $35.6M · commercial $0 · consumer $44.2M · securities $60.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 78.7% | 12th |
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.