| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +3.9% | -5.0 pts |
| Share growth (YoY) | -1.7% | +3.3% | -5.0 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.7 pts |
| ROA | 0.94% | 0.69% | +0.2 pts |
| ROE | 7.9% | 5.9% | +2.0 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $127.0M | $112.6M | $88.5M | $15.1M | $298K | 0.94% | 4.72% | 0.98% | 13,596 |
| Q4 2025 | $124.6M | $110.4M | $92.3M | $14.8M | $752K | 0.60% | 4.74% | 1.40% | 13,531 |
| Q3 2025 | $126.3M | $111.5M | $90.1M | $14.5M | $486K | 0.51% | 4.58% | 1.21% | 13,456 |
| Q2 2025 | $129.3M | $115.3M | $90.8M | $14.4M | $329K | 0.51% | 4.39% | 0.70% | 13,330 |
| Q1 2025 | $128.4M | $114.6M | $91.0M | $14.2M | $168K | 0.52% | 4.29% | 1.62% | 13,724 |
| Q4 2024 | $124.1M | $111.6M | $93.4M | $14.0M | $835K | 0.67% | 4.51% | 2.15% | 13,639 |
| Q3 2024 | $125.0M | $110.9M | $95.3M | $13.8M | $598K | 0.64% | 4.44% | 1.39% | 13,607 |
| Q2 2024 | $124.8M | $111.5M | $95.2M | $13.6M | $408K | 0.65% | 4.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 11,988 |
Loan mix (Q1 2026): real estate $18.6M · commercial $0 · consumer $67.3M · securities $15.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 46th |
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.