| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +3.9% | -1.0 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | -7.7% | +2.9% | -10.6 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 5.8% | 5.9% | -0.1 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $140.1M | $121.8M | $42.2M | $18.6M | $271K | 0.77% | 2.49% | 0.06% | 4,411 |
| Q4 2025 | $138.0M | $119.6M | $43.6M | $18.3M | $1.1M | 0.78% | 2.47% | 0.32% | 4,403 |
| Q3 2025 | $132.4M | $114.4M | $44.4M | $18.1M | $876K | 0.88% | 2.55% | 0.04% | 4,388 |
| Q2 2025 | $133.3M | $116.0M | $45.2M | $17.8M | $580K | 0.87% | 2.54% | 0.44% | 4,368 |
| Q1 2025 | $136.1M | $119.5M | $45.7M | $17.5M | $271K | 0.80% | 2.44% | 1.08% | 4,372 |
| Q4 2024 | $134.3M | $118.1M | $46.3M | $17.2M | $616K | 0.46% | 2.14% | 1.50% | 4,378 |
| Q3 2024 | $131.1M | $114.6M | $46.8M | $17.0M | $376K | 0.38% | 2.11% | 0.24% | 4,355 |
| Q2 2024 | $130.4M | $115.2M | $46.5M | $16.8M | $180K | 0.28% | 2.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 4,327 |
Loan mix (Q1 2026): real estate $26.4M · commercial $10.8M · consumer $4.4M · securities $87.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 78.7% | 28th |
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.