| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.9% | +6.2 pts |
| Share growth (YoY) | +9.9% | +3.3% | +6.6 pts |
| Loan growth (YoY) | +3.2% | +2.9% | +0.3 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 7.3% | 5.9% | +1.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $115.0M | $101.7M | $57.2M | $14.0M | $257K | 0.89% | 3.73% | 0.42% | 6,265 |
| Q4 2025 | $111.7M | $98.6M | $55.5M | $13.8M | $602K | 0.54% | 3.72% | 0.74% | 6,276 |
| Q3 2025 | $108.0M | $95.3M | $55.2M | $13.6M | $336K | 0.41% | 3.81% | 0.81% | 6,313 |
| Q2 2025 | $108.2M | $96.1M | $55.2M | $13.3M | $27K | 0.05% | 3.70% | 0.59% | 6,337 |
| Q1 2025 | $104.4M | $92.6M | $55.4M | $13.2M | $-61K | -0.23% | 3.69% | 0.81% | 6,351 |
| Q4 2024 | $99.4M | $88.1M | $56.5M | $13.3M | $412K | 0.41% | 3.73% | 0.65% | 6,341 |
| Q3 2024 | $98.1M | $86.3M | $57.0M | $13.3M | $309K | 0.42% | 3.75% | 1.78% | 6,338 |
| Q2 2024 | $98.7M | $87.9M | $56.2M | $13.1M | $182K | 0.37% | 3.69% | 1.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,339 |
Loan mix (Q1 2026): real estate $12.4M · commercial $0 · consumer $41.7M · securities $34.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 78.7% | 42th |
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.