| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.7 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | +10.3% | +2.9% | +7.4 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 3.7% | 5.9% | -2.3 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.1M | $121.7M | $101.2M | $11.5M | $106K | 0.31% | 3.78% | 0.42% | 12,276 |
| Q4 2025 | $129.7M | $116.4M | $100.6M | $11.4M | $802K | 0.62% | 3.90% | 0.68% | 12,090 |
| Q3 2025 | $129.0M | $115.8M | $99.1M | $11.2M | $644K | 0.67% | 3.89% | 0.33% | 12,113 |
| Q2 2025 | $128.7M | $116.0M | $95.0M | $10.9M | $324K | 0.50% | 3.83% | 0.36% | 12,041 |
| Q1 2025 | $124.3M | $112.0M | $91.7M | $10.7M | $107K | 0.34% | 3.83% | 0.48% | 12,040 |
| Q4 2024 | $118.0M | $105.7M | $90.6M | $10.6M | $1.0M | 0.88% | 3.96% | 0.53% | 12,253 |
| Q3 2024 | $118.2M | $106.4M | $89.3M | $10.4M | $783K | 0.88% | 3.94% | 0.57% | 12,487 |
| Q2 2024 | $114.3M | $102.8M | $85.9M | $10.1M | $517K | 0.91% | 3.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 12,293 |
Loan mix (Q1 2026): real estate $28.9M · commercial $5.7M · consumer $61.7M · securities $9.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 78.7% | 66th |
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.