| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.8% | -0.6 pts |
| Share growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +0.1% | +4.3% | -4.2 pts |
| ROA | 0.61% | 0.62% | -0.0 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $801.1M | $723.9M | $608.5M | $77.3M | $1.2M | 0.61% | 3.80% | 1.02% | 45,014 |
| Q4 2025 | $786.2M | $707.9M | $609.2M | $76.3M | $5.9M | 0.75% | 3.80% | 1.42% | 44,213 |
| Q3 2025 | $781.4M | $703.6M | $613.9M | $75.4M | $4.9M | 0.84% | 3.78% | 1.46% | 44,213 |
| Q2 2025 | $773.4M | $700.6M | $608.5M | $72.6M | $2.2M | 0.57% | 3.75% | 1.22% | 44,213 |
| Q1 2025 | $769.0M | $696.5M | $607.7M | $72.1M | $1.6M | 0.85% | 3.70% | 1.08% | 43,911 |
| Q4 2024 | $769.2M | $697.7M | $611.0M | $70.7M | $2.3M | 0.30% | 3.02% | 1.32% | 43,911 |
| Q3 2024 | $869.1M | $798.1M | $608.8M | $70.0M | $1.6M | 0.25% | 2.58% | 1.36% | 43,911 |
| Q2 2024 | $872.0M | $802.6M | $601.3M | $69.3M | $882K | 0.20% | 2.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.62% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.95% |
| 43,608 |
Loan mix (Q1 2026): real estate $219.2M · commercial $81.4M · consumer $268.2M · securities $90.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 78.3% | 13th |
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.