| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.8% | -1.3 pts |
| Share growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | -2.1% | +4.3% | -6.4 pts |
| ROA | 0.17% | 0.62% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $931.3M | $762.6M | $565.5M | $87.3M | $389K | 0.17% | 2.40% | 0.50% | 34,159 |
| Q4 2025 | $894.2M | $724.3M | $561.4M | $86.9M | $1.9M | 0.21% | 2.39% | 0.52% | 34,703 |
| Q3 2025 | $871.7M | $703.7M | $565.9M | $87.4M | $1.3M | 0.20% | 2.43% | 0.70% | 34,213 |
| Q2 2025 | $886.5M | $710.8M | $573.4M | $86.8M | $764K | 0.17% | 2.34% | 0.75% | 34,339 |
| Q1 2025 | $900.3M | $725.8M | $577.7M | $86.5M | $488K | 0.22% | 2.16% | 0.78% | 34,416 |
| Q4 2024 | $853.1M | $681.6M | $578.9M | $86.0M | $82K | 0.01% | 2.25% | 0.56% | 34,518 |
| Q3 2024 | $843.6M | $671.1M | $587.9M | $86.7M | $-255K | -0.04% | 2.26% | 0.57% | 34,737 |
| Q2 2024 | $856.3M | $688.7M | $588.8M | $86.5M | $-494K | -0.12% | 2.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.62% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 34,938 |
Loan mix (Q1 2026): real estate $391.1M · commercial $3.8M · consumer $142.8M · securities $212.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 78.3% | 84th |
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.