| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +4.5% | +2.9% | +1.6 pts |
| ROA | 0.58% | 0.69% | -0.1 pts |
| ROE | 3.7% | 5.9% | -2.2 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 | $184.3M | $156.1M | $144.3M | $28.6M | $266K | 0.58% | 4.81% | 1.01% | 19,296 |
| Q4 2025 | $177.8M | $148.3M | $146.2M | $28.4M | $1.2M | 0.70% | 4.81% | 1.09% | 19,190 |
| Q3 2025 | $177.1M | $149.4M | $145.1M | $28.0M | $772K | 0.58% | 4.75% | 0.95% | 19,167 |
| Q2 2025 | $177.7M | $149.2M | $142.2M | $27.6M | $377K | 0.42% | 4.61% | 1.07% | 18,974 |
| Q1 2025 | $180.8M | $152.8M | $138.0M | $27.3M | $71K | 0.16% | 4.44% | 1.24% | 18,901 |
| Q4 2024 | $173.7M | $145.9M | $136.8M | $27.3M | $318K | 0.18% | 4.45% | 1.30% | 18,864 |
| Q3 2024 | $175.3M | $147.0M | $136.6M | $27.4M | $345K | 0.26% | 4.39% | 1.26% | 18,954 |
| Q2 2024 | $176.2M | $148.3M | $136.0M | $27.2M | $143K | 0.16% | 4.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.32% |
| 18,948 |
Loan mix (Q1 2026): real estate $54.1M · commercial $8.5M · consumer $70.9M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.9% | 78.7% | 65th |
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.