| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.5 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $176.5M | $158.6M | $91.3M | $17.2M | $267K | 0.61% | 4.09% | 0.65% | 10,968 |
| Q4 2025 | $176.4M | $158.9M | $90.9M | $16.9M | $1.4M | 0.80% | 3.96% | 1.16% | 10,967 |
| Q3 2025 | $175.5M | $158.1M | $91.9M | $16.7M | $1.0M | 0.79% | 3.90% | 0.71% | 11,062 |
| Q2 2025 | $171.0M | $154.2M | $93.6M | $16.2M | $535K | 0.63% | 3.96% | 0.89% | 11,024 |
| Q1 2025 | $168.1M | $150.5M | $93.7M | $15.8M | $164K | 0.39% | 3.96% | 0.52% | 10,983 |
| Q4 2024 | $166.6M | $149.9M | $94.5M | $15.6M | $615K | 0.37% | 3.85% | 0.78% | 10,960 |
| Q3 2024 | $171.5M | $153.9M | $96.3M | $15.6M | $487K | 0.38% | 3.67% | 1.00% | 11,061 |
| Q2 2024 | $168.1M | $152.1M | $96.1M | $15.4M | $312K | 0.37% | 3.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.24% |
| 11,000 |
Loan mix (Q1 2026): real estate $17.3M · commercial $145K · consumer $59.8M · securities $52.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.7% | 60th |
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% |
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