| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.1 pts |
| Share growth (YoY) | +1.4% | +3.3% | -1.8 pts |
| Loan growth (YoY) | +2.7% | +2.9% | -0.3 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 9.7% | 5.9% | +3.7 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.1M | $89.6M | $77.4M | $17.1M | $416K | 1.55% | 4.26% | 0.25% | 9,109 |
| Q4 2025 | $103.3M | $86.2M | $79.1M | $16.7M | $1.6M | 1.54% | 4.08% | 0.27% | 9,061 |
| Q3 2025 | $101.9M | $85.1M | $77.2M | $16.4M | $1.2M | 1.57% | 4.04% | 0.96% | 9,077 |
| Q2 2025 | $102.5M | $86.2M | $75.6M | $15.9M | $727K | 1.42% | 3.96% | 0.67% | 9,185 |
| Q1 2025 | $105.2M | $88.4M | $75.4M | $15.5M | $334K | 1.27% | 3.76% | 0.51% | 9,256 |
| Q4 2024 | $106.0M | $85.9M | $73.1M | $15.2M | $1.6M | 1.47% | 3.51% | 0.48% | 9,306 |
| Q3 2024 | $108.1M | $83.7M | $69.4M | $14.8M | $1.2M | 1.45% | 3.44% | 0.29% | 9,429 |
| Q2 2024 | $104.5M | $86.8M | $63.3M | $14.4M | $786K | 1.50% | 3.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 9,495 |
Loan mix (Q1 2026): real estate $43.0M · commercial $0 · consumer $29.3M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 78.7% | 22th |
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.