| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.4 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | -1.5% | +2.9% | -4.4 pts |
| ROA | 0.49% | 0.69% | -0.2 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $446.7M | $369.9M | $336.9M | $39.2M | $544K | 0.49% | 2.56% | 1.58% | 18,127 |
| Q4 2025 | $440.7M | $356.2M | $343.3M | $38.7M | $1.6M | 0.36% | 2.53% | 1.31% | 18,080 |
| Q3 2025 | $432.3M | $356.4M | $335.5M | $38.7M | $1.4M | 0.43% | 2.55% | 1.31% | 18,402 |
| Q2 2025 | $439.0M | $357.9M | $340.4M | $38.2M | $979K | 0.45% | 2.47% | 1.08% | 18,358 |
| Q1 2025 | $440.1M | $356.3M | $342.0M | $37.7M | $495K | 0.45% | 2.33% | 1.08% | 18,257 |
| Q4 2024 | $438.6M | $348.2M | $344.3M | $37.2M | $2.1M | 0.49% | 2.22% | 1.53% | 18,164 |
| Q3 2024 | $435.0M | $343.5M | $344.5M | $36.8M | $1.5M | 0.47% | 2.20% | 1.42% | 18,227 |
| Q2 2024 | $430.3M | $339.8M | $348.6M | $36.5M | $1.2M | 0.54% | 2.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.22% |
| 18,157 |
Loan mix (Q1 2026): real estate $222.2M · commercial $89.7M · consumer $19.2M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 78.7% | 79th |
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.