| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +3.9% | +10.0 pts |
| Share growth (YoY) | +14.7% | +3.3% | +11.4 pts |
| Loan growth (YoY) | +8.8% | +2.9% | +5.8 pts |
| ROA | 0.27% | 0.69% | -0.4 pts |
| ROE | 3.6% | 5.9% | -2.3 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.9M | $122.5M | $107.1M | $9.9M | $90K | 0.27% | 3.23% | 1.12% | 9,897 |
| Q4 2025 | $130.1M | $120.0M | $107.8M | $9.8M | $425K | 0.33% | 3.09% | 1.28% | 9,873 |
| Q3 2025 | $123.1M | $112.9M | $108.9M | $9.7M | $314K | 0.34% | 3.22% | 0.81% | 9,853 |
| Q2 2025 | $121.9M | $109.1M | $107.3M | $9.6M | $131K | 0.22% | 3.14% | 0.62% | 9,781 |
| Q1 2025 | $116.6M | $106.8M | $98.5M | $9.5M | $36K | 0.12% | 3.09% | 0.33% | 9,643 |
| Q4 2024 | $111.1M | $101.5M | $91.9M | $9.4M | $420K | 0.38% | 3.15% | 0.42% | 9,511 |
| Q3 2024 | $110.1M | $100.3M | $88.4M | $9.4M | $350K | 0.42% | 3.08% | 0.79% | 9,488 |
| Q2 2024 | $110.5M | $101.1M | $85.9M | $9.2M | $157K | 0.28% | 2.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.69% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 9,403 |
Loan mix (Q1 2026): real estate $36.5M · commercial $0 · consumer $59.5M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 78.7% | 88th |
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.