| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +3.9% | +4.6 pts |
| Share growth (YoY) | +8.2% | +3.3% | +4.9 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.6 pts |
| ROA | 1.27% | 0.69% | +0.6 pts |
| ROE | 9.0% | 5.9% | +3.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $363.3M | $308.7M | $139.0M | $51.1M | $1.2M | 1.27% | 2.89% | 0.23% | 15,892 |
| Q4 2025 | $350.9M | $297.6M | $137.9M | $50.0M | $4.1M | 1.16% | 2.96% | 0.66% | 15,891 |
| Q3 2025 | $344.2M | $292.1M | $135.5M | $50.0M | $3.3M | 1.28% | 2.95% | 0.43% | 15,949 |
| Q2 2025 | $338.9M | $288.3M | $132.8M | $49.0M | $2.2M | 1.32% | 2.91% | 0.36% | 15,990 |
| Q1 2025 | $334.9M | $285.4M | $134.3M | $48.0M | $1.2M | 1.49% | 2.84% | 0.27% | 16,069 |
| Q4 2024 | $328.1M | $279.6M | $136.1M | $46.7M | $4.0M | 1.23% | 2.88% | 0.51% | 16,235 |
| Q3 2024 | $328.0M | $279.9M | $139.7M | $46.0M | $3.3M | 1.33% | 2.86% | 0.36% | 16,238 |
| Q2 2024 | $312.0M | $265.0M | $141.0M | $44.8M | $2.1M | 1.35% | 2.96% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.69% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 16,169 |
Loan mix (Q1 2026): real estate $25.7M · commercial $22.7M · consumer $78.6M · securities $164.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 78.7% | 17th |
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.