| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.4 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +1.9 pts |
| ROA | 1.21% | 0.69% | +0.5 pts |
| ROE | 11.0% | 5.9% | +5.0 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $143.4M | $126.5M | $115.8M | $15.8M | $434K | 1.21% | 4.04% | 0.10% | 11,241 |
| Q4 2025 | $140.2M | $123.9M | $118.1M | $15.4M | $1.6M | 1.13% | 4.06% | 0.11% | 11,370 |
| Q3 2025 | $134.2M | $118.3M | $116.8M | $15.0M | $1.2M | 1.17% | 4.20% | 0.17% | 11,379 |
| Q2 2025 | $137.1M | $121.7M | $114.5M | $14.6M | $809K | 1.18% | 4.02% | 0.17% | 11,322 |
| Q1 2025 | $136.1M | $121.1M | $110.4M | $14.2M | $389K | 1.14% | 3.88% | 0.36% | 11,117 |
| Q4 2024 | $133.4M | $118.8M | $108.3M | $13.8M | $1.4M | 1.05% | 3.80% | 0.43% | 11,103 |
| Q3 2024 | $130.3M | $116.0M | $108.1M | $13.5M | $1.1M | 1.13% | 3.84% | 0.38% | 11,046 |
| Q2 2024 | $129.0M | $114.9M | $104.7M | $13.1M | $730K | 1.13% | 3.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 10,941 |
Loan mix (Q1 2026): real estate $30.6M · commercial $0 · consumer $85.0M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 78.7% | 17th |
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.