| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +8.2% | +3.3% | +4.9 pts |
| Loan growth (YoY) | -12.1% | +2.9% | -15.0 pts |
| ROA | 0.70% | 0.69% | +0.0 pts |
| ROE | 5.5% | 5.9% | -0.5 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.7M | $126.5M | $72.6M | $18.3M | $251K | 0.70% | 3.44% | 2.29% | 4,816 |
| Q4 2025 | $144.4M | $127.1M | $75.8M | $18.1M | $1.2M | 0.83% | 3.61% | 2.25% | 4,834 |
| Q3 2025 | $139.3M | $122.0M | $78.7M | $17.9M | $1.1M | 1.02% | 3.75% | 2.01% | 4,849 |
| Q2 2025 | $135.9M | $119.0M | $80.5M | $17.7M | $841K | 1.24% | 3.81% | 1.92% | 4,901 |
| Q1 2025 | $133.3M | $116.9M | $82.7M | $17.3M | $484K | 1.45% | 3.87% | 1.55% | 4,906 |
| Q4 2024 | $133.0M | $116.6M | $83.8M | $16.9M | $1.6M | 1.19% | 3.75% | 1.97% | 4,929 |
| Q3 2024 | $132.7M | $118.3M | $84.5M | $16.4M | $1.1M | 1.14% | 3.69% | 1.28% | 4,916 |
| Q2 2024 | $132.2M | $117.8M | $84.8M | $16.0M | $762K | 1.15% | 3.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.02% |
| 4,885 |
Loan mix (Q1 2026): real estate $45.3M · commercial $0 · consumer $25.4M · securities $53.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 78.7% | 10th |
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.