| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +3.9% | +5.7 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.3 pts |
| ROA | 2.15% | 0.69% | +1.5 pts |
| ROE | 10.7% | 5.9% | +4.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.9M | $108.5M | $107.1M | $27.3M | $732K | 2.15% | 2.93% | 0.00% | 1,682 |
| Q4 2025 | $135.9M | $109.2M | $107.3M | $26.6M | $2.5M | 1.85% | 2.62% | 0.00% | 1,681 |
| Q3 2025 | $132.4M | $106.0M | $107.2M | $25.9M | $1.9M | 1.86% | 2.62% | 0.00% | 1,687 |
| Q2 2025 | $128.3M | $103.0M | $108.1M | $25.2M | $1.1M | 1.77% | 2.58% | 0.00% | 1,681 |
| Q1 2025 | $124.0M | $99.3M | $101.8M | $24.6M | $497K | 1.60% | 2.49% | 0.00% | 1,667 |
| Q4 2024 | $125.9M | $101.4M | $101.1M | $24.1M | $1.4M | 1.08% | 1.75% | 0.00% | 1,667 |
| Q3 2024 | $125.4M | $101.7M | $100.2M | $23.6M | $922K | 0.98% | 1.64% | 0.00% | 1,686 |
| Q2 2024 | $123.1M | $99.6M | $98.7M | $23.3M | $529K | 0.86% | 1.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 1,678 |
Loan mix (Q1 2026): real estate $80.8M · commercial $24.4M · consumer $600K · securities $16.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 28.7% | 78.7% | 0th |
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.