| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.5 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | -4.8% | +2.9% | -7.8 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $173.2M | $148.5M | $123.3M | $23.6M | $361K | 0.83% | 2.70% | 0.15% | 8,576 |
| Q4 2025 | $167.6M | $143.3M | $124.9M | $23.3M | $1.9M | 1.15% | 2.84% | 0.19% | 8,536 |
| Q3 2025 | $167.0M | $143.2M | $126.8M | $22.8M | $1.4M | 1.14% | 2.80% | 0.28% | 7,212 |
| Q2 2025 | $166.0M | $142.3M | $128.3M | $22.3M | $936K | 1.13% | 2.74% | 0.25% | 8,524 |
| Q1 2025 | $162.7M | $139.8M | $129.6M | $21.8M | $398K | 0.98% | 2.68% | 0.34% | 8,528 |
| Q4 2024 | $158.8M | $136.3M | $129.6M | $21.4M | $1.6M | 1.03% | 2.65% | 0.34% | 8,545 |
| Q3 2024 | $156.6M | $134.6M | $130.1M | $20.9M | $1.1M | 0.98% | 2.63% | 0.35% | 8,576 |
| Q2 2024 | $154.2M | $131.7M | $128.4M | $20.4M | $692K | 0.90% | 2.62% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.14% |
| 8,578 |
Loan mix (Q1 2026): real estate $107.0M · commercial $0 · consumer $13.7M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.7% | 36th |
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.