| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.2 pts |
| ROA | 2.05% | 0.69% | +1.4 pts |
| ROE | 13.7% | 5.9% | +7.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $145.8M | $124.1M | $76.0M | $21.7M | $746K | 2.05% | 3.52% | 0.77% | 6,734 |
| Q4 2025 | $141.8M | $120.8M | $75.9M | $21.1M | $2.2M | 1.57% | 3.29% | 0.97% | 6,704 |
| Q3 2025 | $138.0M | $117.4M | $74.7M | $20.7M | $1.8M | 1.71% | 3.40% | 0.79% | 6,690 |
| Q2 2025 | $136.0M | $116.3M | $73.9M | $20.1M | $1.2M | 1.70% | 3.38% | 0.54% | 6,617 |
| Q1 2025 | $134.8M | $115.7M | $74.0M | $19.5M | $577K | 1.71% | 3.38% | 0.34% | 6,551 |
| Q4 2024 | $130.9M | $112.4M | $72.8M | $18.9M | $1.7M | 1.30% | 3.05% | 0.93% | 6,479 |
| Q3 2024 | $131.3M | $112.9M | $72.3M | $18.6M | $1.3M | 1.29% | 2.98% | 0.75% | 6,465 |
| Q2 2024 | $129.8M | $111.7M | $68.9M | $18.1M | $867K | 1.34% | 2.93% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 6,391 |
Loan mix (Q1 2026): real estate $38.0M · commercial $302K · consumer $33.3M · securities $35.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 78.7% | 3th |
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.