| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +3.7% | +2.9% | +0.8 pts |
| ROA | 1.70% | 0.69% | +1.0 pts |
| ROE | 9.9% | 5.9% | +3.9 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.3M | $104.7M | $44.7M | $21.6M | $532K | 1.70% | 3.82% | 0.31% | 12,288 |
| Q4 2025 | $121.2M | $101.3M | $44.4M | $21.0M | $2.5M | 2.08% | 3.91% | 0.57% | 12,222 |
| Q3 2025 | $119.4M | $99.9M | $44.2M | $20.4M | $1.9M | 2.15% | 3.93% | 0.53% | 12,173 |
| Q2 2025 | $119.5M | $100.7M | $42.9M | $19.7M | $1.2M | 2.03% | 3.85% | 0.57% | 12,825 |
| Q1 2025 | $120.4M | $102.3M | $43.1M | $19.1M | $548K | 1.82% | 3.66% | 0.42% | 12,779 |
| Q4 2024 | $115.9M | $98.4M | $42.8M | $18.5M | $2.4M | 2.07% | 3.55% | 0.64% | 12,732 |
| Q3 2024 | $114.7M | $100.2M | $43.3M | $17.9M | $1.8M | 2.08% | 3.52% | 0.59% | 12,673 |
| Q2 2024 | $114.2M | $99.8M | $43.2M | $17.3M | $1.2M | 2.16% | 3.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 12,610 |
Loan mix (Q1 2026): real estate $24.6M · commercial $0 · consumer $19.4M · securities $57.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 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.