| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +0.8% | +3.3% | -2.5 pts |
| Loan growth (YoY) | -6.5% | +2.9% | -9.4 pts |
| ROA | 0.95% | 0.69% | +0.3 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $137.5M | $118.0M | $30.3M | $19.6M | $326K | 0.95% | 3.46% | 1.09% | 5,048 |
| Q4 2025 | $137.5M | $117.8M | $30.7M | $19.3M | $1.7M | 1.23% | 3.19% | 0.59% | 5,056 |
| Q3 2025 | $134.7M | $116.0M | $31.6M | $18.7M | $155K | 0.15% | 0.40% | 0.97% | 5,063 |
| Q2 2025 | $136.1M | $118.5M | $32.5M | $18.3M | $513K | 0.75% | 3.04% | 0.45% | 5,087 |
| Q1 2025 | $134.1M | $117.0M | $32.4M | $17.9M | $143K | 0.43% | 2.98% | 0.35% | 5,145 |
| Q4 2024 | $132.2M | $116.0M | $33.0M | $17.8M | $1.4M | 1.09% | 2.86% | 0.26% | 5,193 |
| Q3 2024 | $134.4M | $117.9M | $33.4M | $17.4M | $1.0M | 1.03% | 2.78% | 0.89% | 5,225 |
| Q2 2024 | $137.8M | $123.0M | $32.8M | $17.0M | $655K | 0.95% | 2.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.54% |
| 5,245 |
Loan mix (Q1 2026): real estate $12.3M · commercial $0 · consumer $15.1M · securities $88.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 78.7% | 35th |
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.