| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -2.0 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.6 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 1.8% | 5.9% | -4.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.6M | $77.5M | $70.5M | $29.9M | $131K | 0.49% | 3.24% | 2.57% | 5,950 |
| Q4 2025 | $106.3M | $76.4M | $69.4M | $29.7M | $780K | 0.73% | 3.12% | 3.45% | 5,944 |
| Q3 2025 | $105.3M | $75.6M | $70.9M | $29.6M | $612K | 0.77% | 3.17% | 2.46% | 5,957 |
| Q2 2025 | $105.5M | $75.9M | $72.0M | $29.4M | $445K | 0.84% | 3.12% | 3.66% | 5,954 |
| Q1 2025 | $105.5M | $76.2M | $70.2M | $29.2M | $196K | 0.74% | 3.06% | 2.58% | 5,969 |
| Q4 2024 | $105.4M | $76.2M | $69.3M | $29.0M | $1.2M | 1.16% | 3.22% | 2.58% | 6,018 |
| Q3 2024 | $104.4M | $75.5M | $69.5M | $28.8M | $1.0M | 1.29% | 3.30% | 3.00% | 6,096 |
| Q2 2024 | $105.7M | $77.0M | $69.8M | $28.5M | $728K | 1.38% | 3.34% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.83% |
| 6,106 |
Loan mix (Q1 2026): real estate $34.5M · commercial $15.6M · consumer $10.1M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 78.7% | 64th |
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.