| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.1% | — |
| Share growth (YoY) | — | +4.9% | — |
| Loan growth (YoY) | — | +5.4% | — |
| ROA | 0.47% | 0.71% | -0.2 pts |
| ROE | 4.3% | 6.3% | -1.9 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.79B | $2.39B | $2.20B | $301.2M | $3.3M | 0.47% | 4.21% | 0.70% | 157,317 |
| Q4 2025 | $2.74B | $2.32B | $2.20B | $297.9M | $24.3M | 0.89% | 4.05% | 0.82% | 156,969 |
| Q3 2025 | $2.72B | $2.28B | $2.19B | $291.8M | $18.2M | 0.89% | 4.00% | 0.77% | 156,892 |
Loan mix (Q1 2026): real estate $973.0M · commercial $292.9M · consumer $900.6M · securities $333.9M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.71% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 6.3% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.32% | 95th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% |
Peer lists, growth filters, CSV export, CRM push.
| 73.0% |
52th |
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 (3q) | 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 (3q) | 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 (3q) | 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 (3q) | 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.