| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.9% | +0.5 pts |
| Share growth (YoY) | +3.5% | +3.3% | +0.2 pts |
| Loan growth (YoY) | +4.6% | +2.9% | +1.6 pts |
| ROA | 1.67% | 0.69% | +1.0 pts |
| ROE | 12.3% | 5.9% | +6.4 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $424.5M | $369.3M | $238.9M | $57.4M | $1.8M | 1.67% | 3.50% | 0.45% | 22,137 |
| Q4 2025 | $413.6M | $360.9M | $237.8M | $56.2M | $7.1M | 1.72% | 3.50% | 1.00% | 22,070 |
| Q3 2025 | $407.4M | $354.8M | $234.4M | $54.3M | $5.2M | 1.69% | 3.51% | 1.08% | 22,233 |
| Q2 2025 | $404.7M | $352.6M | $229.4M | $52.4M | $3.3M | 1.63% | 3.46% | 1.02% | 22,205 |
| Q1 2025 | $406.7M | $356.8M | $228.5M | $50.5M | $1.5M | 1.43% | 3.26% | 0.52% | 22,198 |
| Q4 2024 | $399.7M | $352.2M | $226.1M | $49.7M | $5.8M | 1.46% | 3.23% | 1.02% | 22,107 |
| Q3 2024 | $397.6M | $351.2M | $224.0M | $47.7M | $3.8M | 1.28% | 3.21% | 0.76% | 22,388 |
| Q2 2024 | $397.0M | $352.0M | $227.5M | $45.7M | $1.8M | 0.90% | 3.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 22,398 |
Loan mix (Q1 2026): real estate $152.9M · commercial $298K · consumer $74.7M · securities $74.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 78.7% | 12th |
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% |
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