| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.8% | +0.2 pts |
| Share growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| Loan growth (YoY) | +9.7% | +4.3% | +5.4 pts |
| ROA | 0.54% | 0.62% | -0.1 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $882.7M | $735.3M | $701.3M | $83.4M | $1.2M | 0.54% | 2.93% | 0.38% | 39,109 |
| Q4 2025 | $858.4M | $714.9M | $682.0M | $82.2M | $5.3M | 0.61% | 2.86% | 0.70% | 38,833 |
| Q3 2025 | $835.9M | $693.0M | $670.5M | $81.7M | $4.4M | 0.71% | 2.90% | 0.79% | 39,525 |
| Q2 2025 | $837.2M | $702.6M | $658.8M | $80.1M | $2.8M | 0.68% | 2.85% | 0.58% | 39,299 |
| Q1 2025 | $840.8M | $705.3M | $639.3M | $78.5M | $1.2M | 0.58% | 2.79% | 0.55% | 38,956 |
| Q4 2024 | $819.7M | $684.1M | $639.8M | $77.3M | $4.9M | 0.60% | 2.78% | 0.62% | 38,645 |
| Q3 2024 | $802.3M | $665.4M | $639.3M | $77.8M | $5.2M | 0.86% | 2.82% | 0.62% | 39,431 |
| Q2 2024 | $803.9M | $670.3M | $630.1M | $75.9M | $3.2M | 0.81% | 2.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.62% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 39,121 |
Loan mix (Q1 2026): real estate $505.9M · commercial $102.9M · consumer $83.9M · securities $83.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.3% | 71th |
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.