| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +4.4% | +3.3% | +1.1 pts |
| Loan growth (YoY) | +8.7% | +2.9% | +5.8 pts |
| ROA | 1.23% | 0.69% | +0.5 pts |
| ROE | 7.1% | 5.9% | +1.1 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $268.6M | $206.7M | $160.7M | $46.8M | $827K | 1.23% | 4.40% | 0.67% | 27,636 |
| Q4 2025 | $258.1M | $197.5M | $159.7M | $46.0M | $4.1M | 1.58% | 4.47% | 0.59% | 27,587 |
| Q3 2025 | $254.9M | $194.6M | $156.9M | $45.0M | $3.1M | 1.61% | 4.45% | 0.75% | 27,647 |
| Q2 2025 | $253.5M | $195.2M | $153.2M | $44.0M | $2.1M | 1.66% | 4.41% | 0.57% | 27,571 |
| Q1 2025 | $255.7M | $198.0M | $147.9M | $42.8M | $904K | 1.41% | 4.27% | 0.41% | 27,528 |
| Q4 2024 | $241.2M | $184.5M | $147.6M | $41.9M | $4.6M | 1.89% | 4.31% | 0.49% | 27,426 |
| Q3 2024 | $243.5M | $188.5M | $146.3M | $40.9M | $3.6M | 1.97% | 4.21% | 0.55% | 27,503 |
| Q2 2024 | $243.4M | $188.3M | $143.1M | $39.5M | $2.2M | 1.77% | 4.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 27,506 |
Loan mix (Q1 2026): real estate $52.8M · commercial $0 · consumer $100.6M · securities $45.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 78.7% | 48th |
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.