| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +0.7% | +2.9% | -2.2 pts |
| ROA | 1.27% | 0.69% | +0.6 pts |
| ROE | 13.2% | 5.9% | +7.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $284.8M | $253.2M | $216.2M | $27.4M | $901K | 1.27% | 3.81% | 0.76% | 15,743 |
| Q4 2025 | $280.6M | $248.6M | $219.2M | $27.4M | $3.2M | 1.14% | 3.81% | 0.71% | 15,727 |
| Q3 2025 | $270.9M | $240.3M | $218.9M | $26.6M | $2.4M | 1.19% | 3.86% | 0.58% | 15,761 |
| Q2 2025 | $270.3M | $240.6M | $214.8M | $25.8M | $1.5M | 1.12% | 3.75% | 1.03% | 15,729 |
| Q1 2025 | $274.3M | $240.4M | $214.7M | $24.9M | $666K | 0.97% | 3.58% | 0.56% | 15,634 |
| Q4 2024 | $266.5M | $235.7M | $208.0M | $24.2M | $2.1M | 0.79% | 3.46% | 0.45% | 15,519 |
| Q3 2024 | $272.8M | $233.6M | $203.8M | $23.6M | $1.5M | 0.71% | 3.29% | 0.83% | 15,447 |
| Q2 2024 | $272.9M | $233.7M | $201.0M | $23.1M | $872K | 0.64% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 15,339 |
Loan mix (Q1 2026): real estate $115.2M · commercial $14.5M · consumer $65.9M · securities $28.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 78.7% | 26th |
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.