| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +4.1% | +3.3% | +0.8 pts |
| Loan growth (YoY) | +1.7% | +2.9% | -1.2 pts |
| ROA | 0.94% | 0.69% | +0.2 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $456.4M | $398.2M | $401.7M | $56.7M | $1.1M | 0.94% | 3.12% | 0.32% | 34,762 |
| Q4 2025 | $449.6M | $392.5M | $403.5M | $55.6M | $2.8M | 0.62% | 3.04% | 0.47% | 34,598 |
| Q3 2025 | $450.8M | $389.8M | $396.9M | $54.4M | $1.5M | 0.45% | 2.99% | 0.48% | 34,464 |
| Q2 2025 | $445.3M | $385.3M | $396.2M | $54.8M | $978K | 0.44% | 3.00% | 0.43% | 34,294 |
| Q1 2025 | $442.3M | $382.6M | $394.8M | $54.3M | $470K | 0.42% | 2.93% | 0.49% | 34,121 |
| Q4 2024 | $437.8M | $373.6M | $396.3M | $53.8M | $2.8M | 0.63% | 2.74% | 0.65% | 34,079 |
| Q3 2024 | $436.4M | $383.5M | $395.6M | $52.3M | $1.3M | 0.38% | 2.70% | 0.58% | 34,016 |
| Q2 2024 | $442.7M | $378.1M | $397.0M | $52.8M | $895K | 0.40% | 2.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 33,888 |
Loan mix (Q1 2026): real estate $75.1M · commercial $374K · consumer $311.0M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 78.7% | 19th |
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.