| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.9% | +0.9 pts |
| Share growth (YoY) | +4.2% | +3.3% | +0.9 pts |
| Loan growth (YoY) | -1.8% | +2.9% | -4.7 pts |
| ROA | 1.48% | 0.69% | +0.8 pts |
| ROE | 9.8% | 5.9% | +3.9 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.5M | $156.2M | $57.9M | $27.1M | $665K | 1.48% | 3.50% | 1.34% | 15,563 |
| Q4 2025 | $170.9M | $149.4M | $59.8M | $26.5M | $3.1M | 1.83% | 3.84% | 1.29% | 15,762 |
| Q3 2025 | $168.7M | $145.9M | $60.2M | $25.5M | $2.2M | 1.74% | 3.88% | 1.24% | 15,971 |
| Q2 2025 | $171.1M | $149.0M | $61.1M | $24.8M | $1.5M | 1.73% | 3.76% | 1.67% | 16,210 |
| Q1 2025 | $171.2M | $149.9M | $58.9M | $24.0M | $667K | 1.56% | 3.60% | 1.24% | 16,436 |
| Q4 2024 | $164.3M | $144.9M | $59.9M | $23.3M | $2.7M | 1.63% | 3.86% | 1.83% | 16,683 |
| Q3 2024 | $161.9M | $141.8M | $61.6M | $22.2M | $1.5M | 1.24% | 3.92% | 1.63% | 16,894 |
| Q2 2024 | $162.5M | $143.2M | $63.8M | $21.5M | $871K | 1.07% | 3.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.37% |
| 17,030 |
Loan mix (Q1 2026): real estate $20.7M · commercial $0 · consumer $36.1M · securities $69.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 78.7% | 14th |
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.