| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.4 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | 0.52% | 0.69% | -0.2 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172.7M | $148.7M | $86.5M | $23.8M | $223K | 0.52% | 3.43% | 0.06% | 10,151 |
| Q4 2025 | $170.5M | $146.6M | $84.0M | $23.6M | $1.6M | 0.95% | 3.49% | 0.16% | 10,117 |
| Q3 2025 | $167.1M | $143.1M | $82.7M | $23.4M | $1.4M | 1.13% | 3.54% | 0.11% | 10,101 |
| Q2 2025 | $170.4M | $146.3M | $83.6M | $23.1M | $1.2M | 1.38% | 3.44% | 0.17% | 10,178 |
| Q1 2025 | $171.8M | $148.0M | $82.8M | $23.0M | $1.0M | 2.41% | 3.32% | 0.13% | 10,147 |
| Q4 2024 | $165.9M | $143.7M | $84.7M | $22.0M | $3.9M | 2.32% | 3.39% | 0.20% | 10,102 |
| Q3 2024 | $165.9M | $143.0M | $83.4M | $20.4M | $2.3M | 1.83% | 3.39% | 0.31% | 9,815 |
| Q2 2024 | $171.8M | $149.7M | $82.5M | $18.7M | $542K | 0.63% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 9,868 |
Loan mix (Q1 2026): real estate $40.9M · commercial $0 · consumer $43.4M · securities $67.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 78.7% | 67th |
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% |
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