| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +7.9% | +3.3% | +4.6 pts |
| Loan growth (YoY) | +11.2% | +2.9% | +8.3 pts |
| ROA | 1.09% | 0.69% | +0.4 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $360.9M | $315.7M | $271.8M | $42.3M | $982K | 1.09% | 3.12% | 0.24% | 23,937 |
| Q4 2025 | $345.9M | $301.9M | $266.9M | $41.3M | $1.7M | 0.48% | 3.10% | 0.16% | 23,735 |
| Q3 2025 | $345.7M | $301.9M | $267.9M | $41.7M | $1.7M | 0.65% | 3.06% | 0.13% | 24,420 |
| Q2 2025 | $343.0M | $299.1M | $260.4M | $41.6M | $1.6M | 0.94% | 2.98% | 0.16% | 24,341 |
| Q1 2025 | $335.8M | $292.5M | $244.4M | $40.8M | $757K | 0.90% | 2.92% | 0.31% | 23,728 |
| Q4 2024 | $320.6M | $279.0M | $243.4M | $40.0M | $2.3M | 0.73% | 3.06% | 0.31% | 23,429 |
| Q3 2024 | $306.3M | $265.3M | $235.9M | $39.8M | $1.7M | 0.76% | 3.19% | 0.20% | 23,788 |
| Q2 2024 | $305.1M | $265.0M | $234.6M | $38.9M | $868K | 0.57% | 3.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 23,582 |
Loan mix (Q1 2026): real estate $98.6M · commercial $500K · consumer $163.4M · securities $26.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 78.7% | 15th |
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.