| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | -0.0% | +2.9% | -2.9 pts |
| ROA | 1.23% | 0.69% | +0.5 pts |
| ROE | 11.3% | 5.9% | +5.3 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $167.0M | $148.1M | $86.7M | $18.2M | $513K | 1.23% | 3.68% | 0.17% | 12,996 |
| Q4 2025 | $163.3M | $144.9M | $89.2M | $17.7M | $2.2M | 1.37% | 3.70% | 0.07% | 13,022 |
| Q3 2025 | $157.9M | $140.1M | $88.9M | $17.2M | $1.7M | 1.40% | 3.79% | 0.04% | 13,021 |
| Q2 2025 | $160.1M | $143.0M | $87.9M | $16.5M | $992K | 1.24% | 3.62% | 0.05% | 12,988 |
| Q1 2025 | $157.0M | $140.6M | $86.7M | $15.9M | $383K | 0.98% | 3.52% | 0.06% | 12,980 |
| Q4 2024 | $152.2M | $136.1M | $86.7M | $15.5M | $1.9M | 1.22% | 3.38% | 0.07% | 13,023 |
| Q3 2024 | $152.0M | $136.3M | $86.9M | $15.0M | $1.3M | 1.15% | 3.32% | 0.04% | 13,064 |
| Q2 2024 | $155.9M | $140.3M | $85.0M | $14.5M | $784K | 1.01% | 3.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 13,025 |
Loan mix (Q1 2026): real estate $40.6M · commercial $0 · consumer $43.5M · securities $57.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 78.7% | 25th |
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.