| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | -3.0% | +3.3% | -6.3 pts |
| Loan growth (YoY) | +6.1% | +2.9% | +3.2 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 5.6% | 5.9% | -0.4 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $210.2M | $177.9M | $139.1M | $34.5M | $483K | 0.92% | 3.65% | 0.30% | 15,027 |
| Q4 2025 | $202.8M | $170.5M | $129.9M | $34.0M | $1.9M | 0.94% | 3.67% | 0.26% | 14,804 |
| Q3 2025 | $206.1M | $174.8M | $128.7M | $33.7M | $1.4M | 0.89% | 3.58% | 0.23% | 14,711 |
| Q2 2025 | $202.6M | $178.2M | $129.3M | $33.2M | $916K | 0.90% | 3.59% | 0.23% | 17,789 |
| Q1 2025 | $207.1M | $183.4M | $131.1M | $32.7M | $382K | 0.74% | 3.42% | 0.20% | 17,727 |
| Q4 2024 | $208.4M | $184.7M | $133.0M | $32.3M | $1.5M | 0.74% | 3.37% | 0.26% | 17,685 |
| Q3 2024 | $203.8M | $179.6M | $133.6M | $32.1M | $1.2M | 0.78% | 3.43% | 0.19% | 17,685 |
| Q2 2024 | $209.0M | $184.9M | $133.2M | $31.6M | $732K | 0.70% | 3.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 17,561 |
Loan mix (Q1 2026): real estate $33.4M · commercial $5.1M · consumer $99.5M · securities $42.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 78.7% | 21th |
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.