| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Share growth (YoY) | +2.3% | +4.9% | -2.5 pts |
| Loan growth (YoY) | +0.3% | +5.4% | -5.1 pts |
| ROA | 0.69% | 0.71% | -0.0 pts |
| ROE | 5.1% | 6.3% | -1.2 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.58B | $2.08B | $2.08B | $351.2M | $4.4M | 0.69% | 3.99% | 2.04% | 194,144 |
| Q4 2025 | $2.56B | $2.07B | $2.08B | $346.7M | $24.7M | 0.96% | 3.95% | 2.37% | 193,317 |
| Q3 2025 | $2.53B | $2.03B | $2.05B | $341.6M | $19.5M | 1.03% | 3.95% | 2.36% | 191,924 |
| Q2 2025 | $2.51B | $2.02B | $2.06B | $330.1M | $8.1M | 0.64% | 3.94% | 2.24% | 189,995 |
| Q1 2025 | $2.51B | $2.03B | $2.07B | $330.6M | $2.7M | 0.42% | 3.92% | 1.94% | 189,098 |
| Q4 2024 | $2.48B | $1.99B | $2.09B | $328.0M | $21.7M | 0.87% | 3.99% | 2.41% | 187,778 |
| Q3 2024 | $2.48B | $1.97B | $2.12B | $325.1M | $18.9M | 1.01% | 3.99% | 2.05% | 188,990 |
| Q2 2024 | $2.55B | $2.00B | $2.15B | $314.5M | $8.2M | 0.64% | 3.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | A+ Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.71% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 6.3% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.86% |
| 189,306 |
Loan mix (Q1 2026): real estate $991.4M · commercial $193.2M · consumer $630.6M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 73.0% | 34th |
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 | A+ Federal Credit Union | 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 | A+ Federal Credit Union | 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 | A+ Federal Credit Union | 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 | A+ Federal Credit Union | 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.