| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +9.2% | +2.9% | +6.3 pts |
| ROA | 1.56% | 0.69% | +0.9 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $104.2M | $79.7M | $58.1M | $24.2M | $408K | 1.56% | 4.28% | 0.48% | 7,342 |
| Q4 2025 | $103.3M | $79.2M | $56.9M | $23.8M | $1.1M | 1.03% | 3.82% | 0.51% | 7,327 |
| Q3 2025 | $102.3M | $77.9M | $55.1M | $23.9M | $1.1M | 1.47% | 4.06% | 0.61% | 7,444 |
| Q2 2025 | $101.2M | $77.4M | $54.7M | $23.4M | $648K | 1.28% | 4.02% | 0.64% | 7,450 |
| Q1 2025 | $99.7M | $75.7M | $53.2M | $23.0M | $265K | 1.06% | 3.91% | 0.60% | 7,382 |
| Q4 2024 | $97.5M | $73.8M | $53.4M | $22.8M | $819K | 0.84% | 3.87% | 0.69% | 7,319 |
| Q3 2024 | $97.0M | $73.2M | $51.6M | $22.8M | $844K | 1.16% | 3.84% | 0.86% | 7,244 |
| Q2 2024 | $97.4M | $73.9M | $50.1M | $22.6M | $610K | 1.25% | 3.75% | 0.70% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,157 |
Loan mix (Q1 2026): real estate $32.7M · commercial $3.4M · consumer $21.3M · securities $33.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 78.7% | 11th |
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.