| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.9% | -3.3 pts |
| Share growth (YoY) | -0.0% | +3.3% | -3.3 pts |
| Loan growth (YoY) | +1.5% | +2.9% | -1.4 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.4M | $101.8M | $30.8M | $15.7M | $184K | 0.63% | 1.77% | 0.04% | 3,375 |
| Q4 2025 | $116.9M | $101.6M | $31.8M | $15.5M | $639K | 0.55% | 1.61% | 0.01% | 3,377 |
| Q3 2025 | $115.0M | $99.7M | $33.2M | $15.4M | $483K | 0.56% | 1.61% | 0.05% | 3,379 |
| Q2 2025 | $114.7M | $99.6M | $31.9M | $15.2M | $317K | 0.55% | 1.60% | 0.05% | 3,367 |
| Q1 2025 | $116.7M | $101.8M | $30.4M | $15.0M | $160K | 0.55% | 1.61% | 0.00% | 3,370 |
| Q4 2024 | $115.7M | $101.0M | $30.4M | $14.9M | $273K | 0.24% | 1.35% | 0.00% | 3,343 |
| Q3 2024 | $114.7M | $100.1M | $29.5M | $14.8M | $185K | 0.22% | 1.31% | 0.00% | 3,330 |
| Q2 2024 | $117.7M | $103.1M | $29.7M | $14.7M | $85K | 0.15% | 1.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 3,307 |
Loan mix (Q1 2026): real estate $15.4M · commercial $0 · consumer $13.2M · securities $79.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 78.7% | 19th |
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.