| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.9% | +0.8 pts |
| Share growth (YoY) | +8.3% | +3.3% | +5.0 pts |
| Loan growth (YoY) | +11.5% | +2.9% | +8.6 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $249.8M | $195.8M | $189.6M | $29.6M | $216K | 0.35% | 3.89% | 1.54% | 13,920 |
| Q4 2025 | $249.2M | $190.3M | $189.5M | $29.3M | $820K | 0.33% | 3.90% | 1.67% | 13,829 |
| Q3 2025 | $231.7M | $178.4M | $173.2M | $29.4M | $645K | 0.37% | 4.13% | 1.92% | 13,742 |
| Q2 2025 | $229.9M | $181.3M | $168.4M | $29.1M | $365K | 0.32% | 4.12% | 1.63% | 13,638 |
| Q1 2025 | $238.6M | $180.8M | $170.0M | $28.9M | $182K | 0.30% | 3.89% | 1.78% | 13,555 |
| Q4 2024 | $239.1M | $178.4M | $173.3M | $28.8M | $861K | 0.36% | 3.94% | 1.71% | 13,492 |
| Q3 2024 | $228.8M | $177.6M | $163.3M | $28.8M | $626K | 0.36% | 4.13% | 1.78% | 13,467 |
| Q2 2024 | $225.0M | $174.8M | $162.4M | $28.6M | $487K | 0.43% | 4.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.71% |
| 13,479 |
Loan mix (Q1 2026): real estate $114.1M · commercial $97K · consumer $74.2M · securities $30.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 78.7% | 82th |
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.