| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +7.1% | +3.3% | +3.8 pts |
| Loan growth (YoY) | +5.7% | +2.9% | +2.7 pts |
| ROA | 1.53% | 0.69% | +0.8 pts |
| ROE | 12.4% | 5.9% | +6.4 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.1M | $115.2M | $90.5M | $16.3M | $504K | 1.53% | 3.62% | 0.26% | 5,383 |
| Q4 2025 | $129.2M | $112.9M | $87.5M | $15.8M | $1.8M | 1.43% | 3.35% | 0.42% | 5,362 |
| Q3 2025 | $126.0M | $110.2M | $87.8M | $15.7M | $1.7M | 1.82% | 3.62% | 1.38% | 5,288 |
| Q2 2025 | $126.1M | $111.2M | $86.4M | $15.0M | $1.0M | 1.65% | 3.52% | 0.34% | 5,288 |
| Q1 2025 | $122.2M | $107.6M | $85.7M | $14.4M | $468K | 1.53% | 3.55% | 0.17% | 5,324 |
| Q4 2024 | $117.9M | $100.7M | $83.5M | $14.0M | $1.2M | 1.05% | 3.12% | 0.25% | 5,288 |
| Q3 2024 | $115.3M | $97.4M | $84.1M | $13.6M | $882K | 1.02% | 3.05% | 0.29% | 5,312 |
| Q2 2024 | $117.0M | $103.1M | $81.8M | $13.3M | $515K | 0.88% | 2.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 5,307 |
Loan mix (Q1 2026): real estate $71.6M · commercial $0 · consumer $17.7M · securities $22.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 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.