| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +0.9% | +3.3% | -2.4 pts |
| Loan growth (YoY) | +10.1% | +2.9% | +7.2 pts |
| ROA | 1.84% | 0.69% | +1.1 pts |
| ROE | 9.9% | 5.9% | +3.9 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.3M | $96.0M | $75.2M | $21.9M | $539K | 1.84% | 4.76% | 0.63% | 4,851 |
| Q4 2025 | $116.2M | $95.5M | $74.7M | $21.3M | $2.1M | 1.83% | 4.70% | 0.77% | 4,884 |
| Q3 2025 | $116.6M | $96.2M | $73.6M | $20.8M | $1.6M | 1.81% | 4.67% | 0.99% | 4,912 |
| Q2 2025 | $116.2M | $96.6M | $70.1M | $20.2M | $1.0M | 1.77% | 4.60% | 0.76% | 4,926 |
| Q1 2025 | $114.1M | $95.2M | $68.3M | $19.7M | $473K | 1.66% | 4.53% | 1.05% | 4,947 |
| Q4 2024 | $113.2M | $95.3M | $71.3M | $19.2M | $1.7M | 1.51% | 4.35% | 1.18% | 4,978 |
| Q3 2024 | $110.8M | $92.8M | $68.1M | $18.8M | $1.3M | 1.57% | 4.35% | 1.12% | 5,011 |
| Q2 2024 | $109.8M | $92.7M | $71.4M | $18.3M | $834K | 1.52% | 4.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 5,069 |
Loan mix (Q1 2026): real estate $16.0M · commercial $359K · consumer $55.5M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 78.7% | 11th |
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.