| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.6 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 5.4% | 5.9% | -0.6 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $114.4M | $102.1M | $76.2M | $12.5M | $167K | 0.59% | 3.99% | 0.88% | 9,526 |
| Q4 2025 | $112.3M | $100.2M | $77.7M | $12.3M | $308K | 0.27% | 3.95% | 0.70% | 9,510 |
| Q3 2025 | $110.7M | $97.8M | $73.0M | $12.2M | $168K | 0.20% | 3.97% | 0.82% | 9,434 |
| Q2 2025 | $109.2M | $96.8M | $70.7M | $12.3M | $220K | 0.40% | 3.99% | 1.68% | 9,366 |
| Q1 2025 | $108.4M | $96.3M | $70.9M | $12.1M | $96K | 0.35% | 3.90% | 0.62% | 9,596 |
| Q4 2024 | $105.2M | $93.4M | $73.3M | $12.0M | $638K | 0.61% | 4.01% | 1.42% | 9,542 |
| Q3 2024 | $106.5M | $94.3M | $73.0M | $11.9M | $496K | 0.62% | 3.89% | 0.69% | 9,539 |
| Q2 2024 | $105.1M | $93.4M | $71.3M | $11.7M | $280K | 0.53% | 3.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 9,536 |
Loan mix (Q1 2026): real estate $30.3M · commercial $5.6M · consumer $38.6M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 78.7% | 70th |
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.