| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +4.7% | +3.3% | +1.4 pts |
| Loan growth (YoY) | +1.3% | +2.9% | -1.7 pts |
| ROA | 0.82% | 0.69% | +0.1 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $210.4M | $188.1M | $110.6M | $22.4M | $431K | 0.82% | 4.01% | 0.56% | 12,710 |
| Q4 2025 | $201.6M | $179.6M | $111.1M | $21.9M | $2.1M | 1.06% | 4.22% | 0.27% | 12,706 |
| Q3 2025 | $201.5M | $180.1M | $111.7M | $21.4M | $1.6M | 1.05% | 4.18% | 0.11% | 12,672 |
| Q2 2025 | $203.2M | $182.6M | $110.5M | $20.8M | $1.0M | 0.99% | 4.06% | 0.09% | 12,650 |
| Q1 2025 | $199.4M | $179.7M | $109.3M | $20.3M | $476K | 0.95% | 4.05% | 0.11% | 12,610 |
| Q4 2024 | $189.7M | $171.0M | $110.7M | $19.8M | $2.4M | 1.24% | 4.11% | 0.16% | 12,628 |
| Q3 2024 | $188.3M | $169.6M | $110.1M | $19.3M | $1.8M | 1.29% | 4.10% | 0.24% | 12,665 |
| Q2 2024 | $190.2M | $172.1M | $107.2M | $18.7M | $1.3M | 1.35% | 3.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 12,632 |
Loan mix (Q1 2026): real estate $53.8M · commercial $8.0M · consumer $39.4M · securities $77.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 55th |
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.