| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.8% | -5.0 pts |
| Share growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +1.2% | +4.3% | -3.2 pts |
| ROA | 1.05% | 0.62% | +0.4 pts |
| ROE | 9.7% | 5.9% | +3.8 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $698.7M | $571.3M | $556.2M | $75.2M | $1.8M | 1.05% | 3.18% | 0.33% | 28,861 |
| Q4 2025 | $706.1M | $555.4M | $554.9M | $73.4M | $1.8M | 0.25% | 3.21% | 0.50% | 28,836 |
| Q3 2025 | $704.4M | $552.9M | $557.3M | $72.9M | $1.1M | 0.21% | 3.22% | 0.46% | 29,041 |
| Q2 2025 | $694.7M | $550.3M | $544.6M | $72.5M | $730K | 0.21% | 3.25% | 0.31% | 29,115 |
| Q1 2025 | $700.3M | $564.6M | $549.8M | $72.0M | $206K | 0.12% | 3.19% | 0.29% | 29,375 |
| Q4 2024 | $696.9M | $578.9M | $545.4M | $71.8M | $1.3M | 0.18% | 3.15% | 0.21% | 29,585 |
| Q3 2024 | $692.9M | $544.9M | $538.3M | $70.9M | $162K | 0.03% | 3.13% | 0.09% | 29,773 |
| Q2 2024 | $688.2M | $562.5M | $534.8M | $70.9M | $164K | 0.05% | 3.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.62% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 30,058 |
Loan mix (Q1 2026): real estate $289.7M · commercial $177.3M · consumer $84.9M · securities $54.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 78.3% | 28th |
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.