| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +10.5% | +2.9% | +7.6 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $118.8M | $102.5M | $72.7M | $14.9M | $105K | 0.35% | 4.47% | 0.34% | 9,380 |
| Q4 2025 | $112.4M | $96.6M | $71.0M | $14.8M | $860K | 0.77% | 4.93% | 0.67% | 9,380 |
| Q3 2025 | $113.8M | $98.3M | $70.3M | $14.7M | $577K | 0.68% | 4.79% | 0.42% | 9,371 |
| Q2 2025 | $112.9M | $97.5M | $69.0M | $14.4M | $281K | 0.50% | 4.79% | 0.33% | 9,324 |
| Q1 2025 | $112.6M | $97.1M | $65.8M | $14.2M | $119K | 0.42% | 4.71% | 0.58% | 9,279 |
| Q4 2024 | $105.3M | $90.5M | $64.3M | $14.1M | $713K | 0.68% | 4.96% | 0.78% | 9,247 |
| Q3 2024 | $108.2M | $93.7M | $61.4M | $13.9M | $398K | 0.49% | 4.70% | 0.58% | 9,249 |
| Q2 2024 | $107.5M | $93.1M | $60.2M | $13.8M | $272K | 0.51% | 4.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 9,262 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $63.3M · securities $28.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 78.7% | 79th |
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.