| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.5 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.1 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 6.1% | 5.9% | +0.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $372.3M | $337.5M | $256.8M | $34.9M | $529K | 0.57% | 3.57% | 0.45% | 23,829 |
| Q4 2025 | $366.2M | $332.4M | $260.5M | $34.4M | $3.0M | 0.81% | 3.59% | 0.60% | 23,798 |
| Q3 2025 | $358.4M | $323.5M | $263.0M | $33.6M | $2.2M | 0.82% | 3.64% | 0.62% | 23,800 |
| Q2 2025 | $358.6M | $326.4M | $252.3M | $32.1M | $701K | 0.39% | 3.59% | 0.74% | 23,957 |
| Q1 2025 | $363.5M | $330.7M | $252.1M | $31.7M | $307K | 0.34% | 3.42% | 0.56% | 23,912 |
| Q4 2024 | $353.8M | $324.6M | $259.9M | $31.4M | $1.7M | 0.48% | 3.40% | 0.75% | 24,043 |
| Q3 2024 | $354.7M | $323.1M | $262.0M | $31.0M | $1.2M | 0.47% | 3.35% | 0.88% | 24,389 |
| Q2 2024 | $351.6M | $322.5M | $265.9M | $30.5M | $753K | 0.43% | 3.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.71% |
| 24,396 |
Loan mix (Q1 2026): real estate $139.0M · commercial $8.0M · consumer $105.4M · securities $61.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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.