| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.6 pts |
| Loan growth (YoY) | -4.4% | +2.9% | -7.3 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 6.8% | 5.9% | +0.9 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $240.4M | $210.7M | $145.8M | $29.2M | $499K | 0.83% | 3.80% | 1.24% | 15,813 |
| Q4 2025 | $233.2M | $203.6M | $149.4M | $28.7M | $2.2M | 0.96% | 4.02% | 1.22% | 15,781 |
| Q3 2025 | $230.7M | $203.7M | $149.6M | $28.2M | $1.6M | 0.95% | 4.05% | 0.99% | 15,773 |
| Q2 2025 | $230.3M | $204.4M | $152.8M | $27.6M | $1.1M | 0.92% | 4.04% | 1.37% | 15,825 |
| Q1 2025 | $233.4M | $207.3M | $152.4M | $27.1M | $600K | 1.03% | 3.88% | 0.78% | 15,831 |
| Q4 2024 | $222.7M | $197.4M | $155.7M | $26.5M | $2.6M | 1.18% | 4.12% | 0.92% | 15,826 |
| Q3 2024 | $219.9M | $196.5M | $155.5M | $25.8M | $1.9M | 1.15% | 4.15% | 0.97% | 15,774 |
| Q2 2024 | $226.7M | $204.4M | $154.9M | $25.1M | $1.2M | 1.03% | 4.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 15,730 |
Loan mix (Q1 2026): real estate $46.9M · commercial $34.5M · consumer $58.3M · securities $40.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 78.7% | 60th |
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.