| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +4.1% | +3.3% | +0.8 pts |
| Loan growth (YoY) | +9.9% | +2.9% | +7.0 pts |
| ROA | 1.53% | 0.69% | +0.8 pts |
| ROE | 11.8% | 5.9% | +5.8 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $112.5M | $97.0M | $66.6M | $14.6M | $430K | 1.53% | 3.08% | 0.00% | 5,368 |
| Q4 2025 | $108.9M | $93.6M | $63.8M | $14.2M | $1.5M | 1.38% | 3.08% | 0.00% | 5,335 |
| Q3 2025 | $105.6M | $90.8M | $62.1M | $13.8M | $1.1M | 1.42% | 3.18% | 0.05% | 5,326 |
| Q2 2025 | $106.4M | $92.1M | $61.6M | $13.5M | $779K | 1.46% | 3.15% | 0.01% | 5,307 |
| Q1 2025 | $107.0M | $93.2M | $60.6M | $13.1M | $367K | 1.37% | 3.04% | 1.13% | 5,270 |
| Q4 2024 | $101.9M | $91.4M | $60.7M | $12.7M | $1.6M | 1.59% | 2.68% | 0.30% | 5,217 |
| Q3 2024 | $104.3M | $90.0M | $58.1M | $12.1M | $603K | 0.77% | 2.57% | 0.18% | 5,157 |
| Q2 2024 | $102.5M | $89.7M | $58.6M | $11.8M | $382K | 0.74% | 2.55% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 5,158 |
Loan mix (Q1 2026): real estate $34.8M · commercial $0 · consumer $18.5M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 78.7% | 10th |
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.