| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.4 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 1.33% | 0.69% | +0.6 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.7M | $138.5M | $110.8M | $26.8M | $547K | 1.33% | 3.16% | 1.26% | 5,133 |
| Q4 2025 | $161.2M | $135.3M | $112.4M | $26.2M | $1.4M | 0.86% | 3.08% | 1.08% | 5,127 |
| Q3 2025 | $160.2M | $135.1M | $113.2M | $25.9M | $1.1M | 0.89% | 3.08% | 1.47% | 5,141 |
| Q2 2025 | $158.8M | $133.7M | $111.4M | $25.5M | $648K | 0.82% | 3.06% | 0.48% | 5,120 |
| Q1 2025 | $159.1M | $134.5M | $113.0M | $25.2M | $391K | 0.98% | 3.01% | 0.51% | 5,090 |
| Q4 2024 | $152.3M | $129.7M | $115.7M | $24.8M | $1.4M | 0.95% | 2.92% | 0.53% | 5,055 |
| Q3 2024 | $151.0M | $127.7M | $114.9M | $24.6M | $1.2M | 1.04% | 2.97% | 0.64% | 5,048 |
| Q2 2024 | $151.7M | $129.1M | $113.4M | $24.1M | $742K | 0.98% | 2.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 5,029 |
Loan mix (Q1 2026): real estate $72.2M · commercial $0 · consumer $33.2M · securities $34.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 78.7% | 9th |
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.