| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.6 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | +16.9% | +2.9% | +14.0 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 5.2% | 5.9% | -0.7 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $197.0M | $174.2M | $126.2M | $21.2M | $278K | 0.56% | 4.19% | 0.33% | 9,857 |
| Q4 2025 | $197.2M | $174.5M | $121.2M | $21.0M | $1.9M | 0.97% | 4.11% | 0.45% | 9,834 |
| Q3 2025 | $193.2M | $170.7M | $114.4M | $20.6M | $1.5M | 1.05% | 4.11% | 0.82% | 9,798 |
| Q2 2025 | $190.1M | $168.1M | $111.6M | $20.2M | $1.2M | 1.24% | 4.14% | 1.37% | 9,721 |
| Q1 2025 | $192.5M | $171.4M | $107.9M | $19.7M | $685K | 1.42% | 4.06% | 0.75% | 9,562 |
| Q4 2024 | $189.1M | $168.9M | $108.2M | $19.1M | $1.8M | 0.93% | 3.61% | 0.86% | 9,528 |
| Q3 2024 | $172.7M | $152.8M | $108.0M | $18.5M | $1.2M | 0.90% | 3.79% | 0.98% | 9,490 |
| Q2 2024 | $166.0M | $148.1M | $104.5M | $18.0M | $653K | 0.79% | 3.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 9,427 |
Loan mix (Q1 2026): real estate $31.1M · commercial $61.9M · consumer $30.3M · securities $40.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 78.7% | 68th |
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.