| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.6 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | +5.9% | +2.9% | +3.0 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 7.6% | 5.9% | +1.7 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $241.5M | $218.7M | $88.0M | $28.7M | $547K | 0.91% | 3.67% | 0.52% | 21,251 |
| Q4 2025 | $234.2M | $211.0M | $86.1M | $28.1M | $3.0M | 1.29% | 3.74% | 1.55% | 21,174 |
| Q3 2025 | $235.2M | $214.2M | $86.1M | $27.2M | $2.1M | 1.20% | 3.63% | 1.65% | 21,191 |
| Q2 2025 | $238.0M | $220.6M | $84.6M | $26.2M | $1.1M | 0.91% | 3.52% | 1.30% | 21,617 |
| Q1 2025 | $235.9M | $219.3M | $83.1M | $25.6M | $456K | 0.77% | 3.46% | 0.44% | 21,509 |
| Q4 2024 | $223.5M | $209.5M | $82.6M | $25.1M | $2.7M | 1.22% | 3.38% | 1.54% | 21,416 |
| Q3 2024 | $227.5M | $210.6M | $82.4M | $24.6M | $2.2M | 1.31% | 3.31% | 1.38% | 21,503 |
| Q2 2024 | $228.9M | $215.4M | $82.3M | $23.9M | $1.6M | 1.37% | 3.38% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 21,898 |
Loan mix (Q1 2026): real estate $7.3M · commercial $16.2M · consumer $59.9M · securities $121.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 78.7% | 22th |
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.