| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.2 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.8 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $249.8M | $221.1M | $132.5M | $25.7M | $311K | 0.50% | 3.88% | 1.63% | 28,524 |
| Q4 2025 | $242.8M | $215.5M | $138.8M | $25.1M | $1.1M | 0.45% | 3.68% | 2.06% | 28,573 |
| Q3 2025 | $242.1M | $214.6M | $132.8M | $26.4M | $2.0M | 1.13% | 3.61% | 1.88% | 28,766 |
| Q2 2025 | $241.9M | $215.1M | $134.6M | $26.1M | $1.8M | 1.47% | 3.52% | 1.73% | 28,891 |
| Q1 2025 | $240.8M | $215.9M | $136.4M | $24.6M | $212K | 0.35% | 3.43% | 1.70% | 29,022 |
| Q4 2024 | $242.4M | $208.6M | $139.9M | $24.4M | $-86K | -0.04% | 3.26% | 1.91% | 29,122 |
| Q3 2024 | $243.6M | $209.2M | $144.3M | $24.6M | $-130K | -0.07% | 3.22% | 1.86% | 29,509 |
| Q2 2024 | $247.3M | $213.7M | $148.4M | $24.8M | $45K | 0.04% | 3.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.54% |
| 29,700 |
Loan mix (Q1 2026): real estate $33.0M · commercial $0 · consumer $86.1M · securities $77.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
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.