| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | 0.84% | 0.69% | +0.2 pts |
| ROE | 10.0% | 5.9% | +4.0 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $291.0M | $265.9M | $174.0M | $24.6M | $614K | 0.84% | 3.02% | 0.31% | 15,712 |
| Q4 2025 | $283.9M | $259.5M | $174.5M | $24.0M | $2.4M | 0.83% | 2.93% | 0.41% | 15,672 |
| Q3 2025 | $279.3M | $255.7M | $178.2M | $23.3M | $1.6M | 0.78% | 2.92% | 0.34% | 15,761 |
| Q2 2025 | $277.6M | $254.4M | $177.3M | $22.7M | $1.0M | 0.76% | 2.90% | 0.28% | 15,757 |
| Q1 2025 | $273.9M | $251.4M | $175.9M | $22.1M | $349K | 0.51% | 2.76% | 0.24% | 15,720 |
| Q4 2024 | $271.0M | $248.8M | $176.3M | $21.7M | $1.4M | 0.51% | 2.60% | 0.40% | 15,735 |
| Q3 2024 | $259.6M | $238.0M | $173.2M | $21.2M | $900K | 0.46% | 2.68% | 0.22% | 15,690 |
| Q2 2024 | $250.3M | $229.2M | $171.0M | $20.8M | $418K | 0.33% | 2.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 15,594 |
Loan mix (Q1 2026): real estate $67.3M · commercial $2.1M · consumer $88.5M · securities $58.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 78.7% | 28th |
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.