| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.9% | -0.5 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -0.1% | +2.9% | -3.1 pts |
| ROA | 1.13% | 0.69% | +0.4 pts |
| ROE | 13.3% | 5.9% | +7.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $105.3M | $95.8M | $58.4M | $8.9M | $297K | 1.13% | 3.25% | 0.55% | 3,693 |
| Q4 2025 | $103.7M | $94.6M | $59.5M | $8.6M | $834K | 0.80% | 2.92% | 0.40% | 3,683 |
| Q3 2025 | $103.1M | $94.2M | $58.6M | $8.5M | $606K | 0.78% | 2.80% | 0.64% | 3,680 |
| Q2 2025 | $101.6M | $93.1M | $58.3M | $8.2M | $349K | 0.69% | 2.66% | 0.72% | 3,697 |
| Q1 2025 | $101.8M | $93.3M | $58.5M | $8.0M | $114K | 0.45% | 2.41% | 0.97% | 3,698 |
| Q4 2024 | $104.2M | $94.1M | $64.5M | $7.9M | $-2.7M | -2.58% | 2.18% | 0.89% | 3,684 |
| Q3 2024 | $96.2M | $88.1M | $62.8M | $7.8M | $-2.8M | -3.90% | 2.33% | 5.22% | 3,696 |
| Q2 2024 | $99.9M | $88.8M | $63.1M | $10.8M | $194K | 0.39% | 2.24% | 5.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3,688 |
Loan mix (Q1 2026): real estate $25.8M · commercial $9.9M · consumer $8.5M · securities $31.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 78.7% | 24th |
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.