| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +4.0% | +3.3% | +0.7 pts |
| Loan growth (YoY) | +4.3% | +2.9% | +1.4 pts |
| ROA | 0.34% | 0.69% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.1 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $163.2M | $143.4M | $119.6M | $19.1M | $137K | 0.34% | 4.00% | 0.32% | 16,018 |
| Q4 2025 | $158.4M | $138.7M | $120.2M | $19.0M | $1.9M | 1.23% | 4.19% | 0.20% | 16,010 |
| Q3 2025 | $158.0M | $138.5M | $120.9M | $18.4M | $1.3M | 1.12% | 4.17% | 0.28% | 15,969 |
| Q2 2025 | $157.6M | $139.1M | $118.2M | $17.7M | $681K | 0.86% | 4.09% | 0.21% | 15,849 |
| Q1 2025 | $155.3M | $137.9M | $114.7M | $17.3M | $284K | 0.73% | 3.99% | 0.31% | 15,739 |
| Q4 2024 | $150.5M | $133.6M | $115.5M | $17.1M | $2.1M | 1.37% | 3.86% | 0.33% | 15,734 |
| Q3 2024 | $148.1M | $132.1M | $115.8M | $16.1M | $1.1M | 1.00% | 3.82% | 0.26% | 15,748 |
| Q2 2024 | $146.0M | $130.6M | $116.7M | $15.6M | $639K | 0.87% | 3.76% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.69% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 15,741 |
Loan mix (Q1 2026): real estate $17.9M · commercial $0 · consumer $95.4M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 78.7% | 81th |
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.