| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.8 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.6M | $81.8M | $51.2M | $12.6M | $160K | 0.68% | 3.89% | 0.86% | 6,583 |
| Q4 2025 | $93.9M | $81.9M | $51.7M | $12.4M | $543K | 0.58% | 4.07% | 1.58% | 6,648 |
| Q3 2025 | $91.7M | $80.4M | $51.5M | $12.2M | $347K | 0.50% | 4.17% | 1.38% | 6,654 |
| Q2 2025 | $90.9M | $80.3M | $52.6M | $12.1M | $220K | 0.48% | 4.21% | 0.45% | 6,684 |
| Q1 2025 | $91.1M | $80.7M | $52.9M | $12.1M | $265K | 1.16% | 4.23% | 0.51% | 6,690 |
| Q4 2024 | $91.9M | $81.5M | $52.3M | $11.9M | $1.0M | 1.10% | 4.10% | 0.29% | 6,720 |
| Q3 2024 | $90.4M | $80.2M | $53.0M | $11.6M | $730K | 1.08% | 4.11% | 0.50% | 6,766 |
| Q2 2024 | $92.9M | $81.4M | $53.2M | $11.3M | $456K | 0.98% | 3.95% | 0.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,761 |
Loan mix (Q1 2026): real estate $15.7M · commercial $0 · consumer $29.2M · securities $29.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 81.5% | 47th |
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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