| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +4.0% | +3.3% | +0.7 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.8 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 5.9% | 5.9% | -0.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $130.6M | $111.3M | $86.4M | $18.8M | $278K | 0.85% | 3.67% | 0.38% | 7,748 |
| Q4 2025 | $127.8M | $109.0M | $87.4M | $18.6M | $1.1M | 0.85% | 3.81% | 0.51% | 7,826 |
| Q3 2025 | $126.7M | $108.3M | $86.9M | $18.2M | $784K | 0.83% | 3.83% | 0.28% | 7,625 |
| Q2 2025 | $125.8M | $107.7M | $85.4M | $17.9M | $483K | 0.77% | 3.82% | 0.75% | 7,701 |
| Q1 2025 | $125.0M | $107.0M | $83.3M | $17.7M | $256K | 0.82% | 3.80% | 0.49% | 7,792 |
| Q4 2024 | $123.9M | $106.3M | $85.1M | $17.4M | $1.3M | 1.04% | 3.80% | 0.63% | 7,910 |
| Q3 2024 | $122.8M | $105.4M | $84.8M | $17.1M | $947K | 1.03% | 3.82% | 0.74% | 8,030 |
| Q2 2024 | $123.3M | $106.0M | $82.8M | $16.8M | $590K | 0.96% | 3.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 8,089 |
Loan mix (Q1 2026): real estate $60.4M · commercial $0 · consumer $25.4M · securities $30.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 78.7% | 49th |
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.