| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.8% | -4.0 pts |
| Share growth (YoY) | +0.7% | +4.3% | -3.6 pts |
| Loan growth (YoY) | -2.9% | +4.3% | -7.2 pts |
| ROA | 0.63% | 0.62% | +0.0 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $905.3M | $778.4M | $679.5M | $93.1M | $1.4M | 0.63% | 3.22% | 1.28% | 47,329 |
| Q4 2025 | $914.2M | $774.0M | $685.5M | $91.7M | $7.1M | 0.78% | 3.05% | 1.74% | 47,036 |
| Q3 2025 | $898.1M | $767.1M | $686.6M | $89.7M | $4.6M | 0.68% | 3.04% | 1.47% | 46,909 |
| Q2 2025 | $902.5M | $774.5M | $693.4M | $88.0M | $2.9M | 0.64% | 2.96% | 1.80% | 46,775 |
| Q1 2025 | $898.4M | $772.9M | $699.6M | $86.2M | $1.1M | 0.48% | 2.90% | 1.37% | 46,909 |
| Q4 2024 | $903.4M | $750.6M | $711.2M | $85.1M | $6.4M | 0.70% | 2.77% | 1.94% | 46,828 |
| Q3 2024 | $938.3M | $731.2M | $724.4M | $84.3M | $4.9M | 0.69% | 2.62% | 1.82% | 46,802 |
| Q2 2024 | $972.8M | $752.2M | $734.8M | $82.1M | $2.7M | 0.55% | 2.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.62% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.72% |
| 46,685 |
Loan mix (Q1 2026): real estate $457.0M · commercial $90.4M · consumer $101.6M · securities $118.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.3% | 71th |
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.