| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.9% | +1.8 pts |
| Share growth (YoY) | +5.1% | +3.3% | +1.8 pts |
| Loan growth (YoY) | +1.1% | +2.9% | -1.8 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 7.9% | 5.9% | +2.0 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $456.2M | $400.1M | $258.6M | $47.6M | $942K | 0.83% | 4.52% | 0.69% | 49,452 |
| Q4 2025 | $447.7M | $391.8M | $259.5M | $46.6M | $3.4M | 0.76% | 4.22% | 0.70% | 49,411 |
| Q3 2025 | $437.5M | $384.1M | $260.9M | $45.2M | $2.0M | 0.60% | 4.25% | 0.62% | 49,432 |
| Q2 2025 | $436.1M | $384.1M | $260.2M | $44.6M | $1.4M | 0.63% | 4.18% | 0.51% | 49,118 |
| Q1 2025 | $431.7M | $380.6M | $255.8M | $44.8M | $800K | 0.74% | 4.12% | 0.60% | 49,118 |
| Q4 2024 | $412.1M | $362.0M | $258.5M | $44.0M | $2.7M | 0.66% | 4.27% | 0.74% | 48,933 |
| Q3 2024 | $393.5M | $348.3M | $257.1M | $43.4M | $2.1M | 0.73% | 4.47% | 0.60% | 49,002 |
| Q2 2024 | $392.7M | $346.9M | $252.9M | $42.1M | $901K | 0.46% | 4.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 48,816 |
Loan mix (Q1 2026): real estate $65.1M · commercial $16.8M · consumer $168.8M · securities $119.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 78.7% | 51th |
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.