| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.4 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +16.8% | +2.9% | +13.9 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $395.0M | $303.8M | $286.8M | $57.9M | $542K | 0.55% | 3.56% | 0.34% | 33,293 |
| Q4 2025 | $393.6M | $291.0M | $283.7M | $57.4M | $-3.0M | -0.77% | 3.49% | 1.48% | 32,998 |
| Q3 2025 | $389.9M | $287.0M | $275.2M | $61.1M | $573K | 0.20% | 3.44% | 1.75% | 34,306 |
| Q2 2025 | $377.9M | $287.2M | $253.9M | $61.0M | $493K | 0.26% | 3.48% | 1.62% | 34,220 |
| Q1 2025 | $381.7M | $289.4M | $245.5M | $60.7M | $220K | 0.23% | 3.37% | 1.74% | 34,058 |
| Q4 2024 | $365.8M | $276.9M | $241.6M | $60.5M | $743K | 0.20% | 3.65% | 1.91% | 33,811 |
| Q3 2024 | $378.7M | $275.3M | $248.4M | $61.5M | $1.6M | 0.55% | 3.56% | 1.93% | 34,005 |
| Q2 2024 | $377.6M | $277.3M | $242.2M | $61.2M | $1.3M | 0.69% | 3.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.76% |
| 33,689 |
Loan mix (Q1 2026): real estate $35.9M · commercial $153.2M · consumer $87.9M · securities $58.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 78.7% | 69th |
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% |
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