| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +3.9% | +6.1 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | +10.4% | +2.9% | +7.5 pts |
| ROA | 0.45% | 0.69% | -0.2 pts |
| ROE | 3.8% | 5.9% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $453.9M | $388.6M | $341.2M | $54.3M | $513K | 0.45% | 3.50% | 1.18% | 37,756 |
| Q4 2025 | $420.3M | $360.0M | $328.5M | $53.7M | $2.6M | 0.62% | 3.52% | 1.47% | 36,999 |
| Q3 2025 | $416.7M | $358.1M | $322.8M | $52.3M | $1.2M | 0.39% | 3.49% | 1.34% | 36,957 |
| Q2 2025 | $420.4M | $361.2M | $319.6M | $51.9M | $751K | 0.36% | 3.35% | 1.92% | 36,840 |
| Q1 2025 | $412.5M | $354.3M | $309.0M | $51.4M | $253K | 0.25% | 3.35% | 1.57% | 36,369 |
| Q4 2024 | $394.2M | $335.9M | $306.9M | $51.1M | $2.9M | 0.73% | 3.44% | 1.74% | 37,747 |
| Q3 2024 | $385.4M | $329.2M | $305.3M | $50.3M | $2.1M | 0.71% | 3.50% | 1.34% | 39,333 |
| Q2 2024 | $381.8M | $322.7M | $301.8M | $49.8M | $1.5M | 0.79% | 3.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.38% |
| 39,367 |
Loan mix (Q1 2026): real estate $88.1M · commercial $43.4M · consumer $188.2M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 78.7% | 61th |
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.