| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.4 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | -2.0% | +2.9% | -4.9 pts |
| ROA | 2.13% | 0.69% | +1.4 pts |
| ROE | 14.2% | 5.9% | +8.3 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $109.8M | $93.0M | $42.9M | $16.5M | $586K | 2.13% | 3.96% | 0.70% | 6,368 |
| Q4 2025 | $106.8M | $90.3M | $43.0M | $15.9M | $1.8M | 1.66% | 4.05% | 0.74% | 6,410 |
| Q3 2025 | $106.0M | $90.2M | $45.2M | $15.6M | $1.4M | 1.80% | 4.04% | 1.18% | 6,584 |
| Q2 2025 | $105.6M | $90.4M | $46.4M | $15.0M | $883K | 1.67% | 3.99% | 1.15% | 6,654 |
| Q1 2025 | $104.3M | $90.2M | $43.8M | $14.5M | $365K | 1.40% | 3.93% | 1.41% | 6,695 |
| Q4 2024 | $100.8M | $87.3M | $45.3M | $14.2M | $1.9M | 1.87% | 4.22% | 1.28% | 6,707 |
| Q3 2024 | $100.7M | $87.3M | $46.9M | $13.9M | $1.5M | 2.03% | 4.24% | 0.68% | 6,811 |
| Q2 2024 | $102.7M | $90.0M | $47.9M | $13.4M | $1.1M | 2.05% | 4.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.95% |
| 6,852 |
Loan mix (Q1 2026): real estate $20.0M · commercial $0 · consumer $21.9M · securities $49.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 78.7% | 10th |
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.