| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +9.9% | +2.9% | +6.9 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $224.7M | $207.0M | $142.3M | $19.8M | $238K | 0.42% | 3.80% | 1.17% | 18,741 |
| Q4 2025 | $221.2M | $203.3M | $148.2M | $19.5M | $840K | 0.38% | 3.70% | 1.27% | 18,822 |
| Q3 2025 | $218.0M | $200.6M | $137.0M | $19.7M | $748K | 0.46% | 3.73% | 1.58% | 18,849 |
| Q2 2025 | $216.1M | $198.4M | $138.1M | $19.5M | $553K | 0.51% | 3.73% | 1.44% | 20,010 |
| Q1 2025 | $215.5M | $199.7M | $129.5M | $19.2M | $273K | 0.51% | 3.60% | 1.28% | 20,366 |
| Q4 2024 | $210.3M | $195.0M | $133.6M | $18.9M | $305K | 0.14% | 3.47% | 1.32% | 20,840 |
| Q3 2024 | $210.4M | $194.7M | $132.9M | $19.2M | $320K | 0.20% | 3.35% | 0.97% | 20,954 |
| Q2 2024 | $209.3M | $194.4M | $131.6M | $19.1M | $203K | 0.19% | 3.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 21,126 |
Loan mix (Q1 2026): real estate $19.6M · commercial $0 · consumer $112.3M · securities $44.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 78.7% | 69th |
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.