| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.0 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $448.5M | $376.7M | $352.0M | $57.7M | $882K | 0.79% | 3.26% | 0.39% | 12,049 |
| Q4 2025 | $439.8M | $368.7M | $357.0M | $56.9M | $4.8M | 1.09% | 3.31% | 0.82% | 11,933 |
| Q3 2025 | $438.9M | $368.7M | $353.5M | $55.5M | $3.3M | 1.01% | 3.28% | 0.66% | 11,998 |
| Q2 2025 | $431.3M | $362.7M | $346.5M | $54.3M | $2.1M | 0.98% | 3.28% | 0.84% | 11,888 |
| Q1 2025 | $430.6M | $363.4M | $345.2M | $53.0M | $856K | 0.80% | 3.20% | 0.36% | 11,804 |
| Q4 2024 | $420.6M | $354.4M | $344.3M | $52.3M | $3.5M | 0.84% | 3.22% | 1.11% | 11,741 |
| Q3 2024 | $416.6M | $350.8M | $340.7M | $51.2M | $2.4M | 0.78% | 3.25% | 0.64% | 11,794 |
| Q2 2024 | $420.3M | $355.4M | $340.7M | $50.3M | $1.5M | 0.70% | 3.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 11,669 |
Loan mix (Q1 2026): real estate $292.5M · commercial $6.2M · consumer $50.8M · securities $32.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 78.7% | 45th |
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.