| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.2 pts |
| Loan growth (YoY) | +7.2% | +2.9% | +4.3 pts |
| ROA | 0.39% | 0.69% | -0.3 pts |
| ROE | 3.3% | 5.9% | -2.6 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $140.4M | $123.1M | $105.9M | $16.4M | $137K | 0.39% | 3.57% | 1.66% | 7,617 |
| Q4 2025 | $136.4M | $119.2M | $103.7M | $16.3M | $634K | 0.46% | 3.68% | 1.96% | 7,704 |
| Q3 2025 | $133.4M | $116.1M | $101.1M | $16.2M | $492K | 0.49% | 3.66% | 2.92% | 7,932 |
| Q2 2025 | $134.5M | $116.7M | $99.6M | $15.9M | $212K | 0.32% | 3.56% | 2.76% | 8,162 |
| Q1 2025 | $133.6M | $115.5M | $98.8M | $15.8M | $90K | 0.27% | 3.47% | 1.78% | 8,174 |
| Q4 2024 | $128.5M | $111.4M | $99.8M | $15.7M | $630K | 0.49% | 3.83% | 1.92% | 8,166 |
| Q3 2024 | $125.8M | $108.9M | $101.7M | $15.6M | $504K | 0.53% | 3.90% | 2.36% | 8,335 |
| Q2 2024 | $125.7M | $108.4M | $103.6M | $15.5M | $369K | 0.59% | 3.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.16% |
| 8,447 |
Loan mix (Q1 2026): real estate $80.7M · commercial $0 · consumer $22.9M · securities $14.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 78.7% | 80th |
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.