| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 4.7% | 5.9% | -1.2 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $102.5M | $90.9M | $68.4M | $10.6M | $125K | 0.49% | 3.44% | 0.74% | 8,158 |
| Q4 2025 | $99.9M | $88.9M | $67.9M | $10.4M | $416K | 0.42% | 3.52% | 1.07% | 8,170 |
| Q3 2025 | $98.6M | $87.3M | $68.9M | $10.3M | $318K | 0.43% | 3.53% | 0.87% | 8,215 |
| Q2 2025 | $99.7M | $88.8M | $69.1M | $10.2M | $186K | 0.37% | 3.41% | 0.63% | 8,175 |
| Q1 2025 | $99.5M | $88.5M | $67.9M | $10.1M | $81K | 0.33% | 3.29% | 0.59% | 8,148 |
| Q4 2024 | $94.1M | $83.4M | $67.8M | $10.0M | $428K | 0.45% | 3.26% | 0.49% | 8,090 |
| Q3 2024 | $94.6M | $83.8M | $67.1M | $9.9M | $297K | 0.42% | 3.16% | 0.54% | 8,084 |
| Q2 2024 | $93.0M | $82.5M | $66.7M | $9.8M | $180K | 0.39% | 3.19% | 0.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,674 |
Loan mix (Q1 2026): real estate $25.0M · commercial $0 · consumer $41.7M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.6% | 78.7% | 53th |
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% |
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