| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.9% | -3.3 pts |
| Share growth (YoY) | +4.3% | +3.3% | +1.0 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.5 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 8.5% | 5.9% | +2.6 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 | $203.4M | $184.4M | $108.2M | $19.8M | $423K | 0.83% | 3.25% | 0.24% | 15,474 |
| Q4 2025 | $197.1M | $177.6M | $107.6M | $19.4M | $1.2M | 0.60% | 3.09% | 0.27% | 15,456 |
| Q3 2025 | $193.2M | $175.1M | $108.0M | $18.9M | $690K | 0.48% | 3.00% | 0.10% | 15,464 |
| Q2 2025 | $193.3M | $176.1M | $107.8M | $18.6M | $361K | 0.37% | 2.89% | 0.10% | 15,559 |
| Q1 2025 | $202.3M | $176.7M | $108.9M | $18.4M | $140K | 0.28% | 2.67% | 0.18% | 15,604 |
| Q4 2024 | $201.8M | $172.7M | $112.1M | $18.2M | $329K | 0.16% | 2.35% | 0.08% | 15,756 |
| Q3 2024 | $208.1M | $175.3M | $115.8M | $18.2M | $288K | 0.18% | 2.18% | 0.04% | 16,067 |
| Q2 2024 | $210.3M | $180.9M | $119.3M | $18.0M | $151K | 0.14% | 2.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 16,109 |
Loan mix (Q1 2026): real estate $67.1M · commercial $0 · consumer $34.2M · securities $70.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.7% | 50th |
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.