| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.1 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.7 pts |
| Loan growth (YoY) | +5.7% | +2.9% | +2.7 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 4.5% | 5.9% | -1.4 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $120.9M | $103.0M | $77.9M | $16.8M | $190K | 0.63% | 2.94% | 0.14% | 4,276 |
| Q4 2025 | $117.4M | $100.0M | $80.2M | $16.6M | $856K | 0.73% | 2.87% | 0.30% | 4,301 |
| Q3 2025 | $116.6M | $99.3M | $73.4M | $16.4M | $601K | 0.69% | 2.91% | 0.14% | 4,308 |
| Q2 2025 | $116.0M | $98.7M | $77.2M | $16.2M | $441K | 0.76% | 2.86% | 0.13% | 4,302 |
| Q1 2025 | $113.0M | $96.2M | $73.7M | $16.1M | $258K | 0.91% | 2.92% | 0.12% | 4,305 |
| Q4 2024 | $110.6M | $93.9M | $76.3M | $15.8M | $992K | 0.90% | 2.84% | 0.19% | 4,319 |
| Q3 2024 | $111.0M | $94.5M | $73.7M | $15.6M | $812K | 0.98% | 2.83% | 0.12% | 4,320 |
| Q2 2024 | $110.3M | $94.1M | $75.8M | $15.3M | $540K | 0.98% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 4,337 |
Loan mix (Q1 2026): real estate $36.8M · commercial $367K · consumer $33.3M · securities $20.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 78.7% | 41th |
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.