| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | +8.0% | +2.9% | +5.1 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 7.2% | 5.9% | +1.2 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.6M | $89.2M | $40.2M | $11.0M | $198K | 0.79% | 3.21% | 0.33% | 5,173 |
| Q4 2025 | $99.2M | $88.0M | $38.7M | $10.8M | $1.0M | 1.01% | 3.25% | 0.35% | 5,137 |
| Q3 2025 | $99.0M | $88.0M | $38.7M | $10.5M | $725K | 0.98% | 3.16% | 2.13% | 5,169 |
| Q2 2025 | $99.2M | $88.6M | $38.6M | $10.1M | $302K | 0.61% | 3.05% | 2.02% | 5,193 |
| Q1 2025 | $97.0M | $86.4M | $37.3M | $10.0M | $170K | 0.70% | 3.06% | 0.58% | 5,191 |
| Q4 2024 | $93.4M | $83.2M | $37.2M | $9.8M | $216K | 0.23% | 2.54% | 0.48% | 5,210 |
| Q3 2024 | $91.0M | $80.8M | $36.4M | $9.8M | $152K | 0.22% | 2.52% | 0.63% | 5,279 |
| Q2 2024 | $91.3M | $81.2M | $35.3M | $9.6M | $41K | 0.09% | 2.42% | 0.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,313 |
Loan mix (Q1 2026): real estate $15.4M · commercial $10.2M · consumer $14.2M · securities $44.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 78.7% | 34th |
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.