| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +3.9% | +3.3 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +12.7% | +2.9% | +9.8 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 6.6% | 5.9% | +0.6 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $474.6M | $417.3M | $330.9M | $51.2M | $839K | 0.71% | 3.46% | 0.59% | 29,136 |
| Q4 2025 | $468.9M | $413.4M | $324.3M | $50.4M | $2.6M | 0.56% | 3.43% | 0.87% | 29,193 |
| Q3 2025 | $468.1M | $406.8M | $324.6M | $49.9M | $1.9M | 0.55% | 3.38% | 0.65% | 29,976 |
| Q2 2025 | $445.0M | $400.5M | $311.6M | $48.0M | $821K | 0.37% | 3.49% | 0.46% | 29,206 |
| Q1 2025 | $442.7M | $398.3M | $293.6M | $47.7M | $495K | 0.45% | 3.51% | 0.45% | 29,041 |
| Q4 2024 | $427.9M | $384.5M | $295.4M | $47.2M | $1.9M | 0.46% | 3.43% | 0.35% | 31,220 |
| Q3 2024 | $430.8M | $383.8M | $289.2M | $47.4M | $1.8M | 0.56% | 3.38% | 0.42% | 31,125 |
| Q2 2024 | $433.2M | $387.4M | $290.4M | $46.9M | $1.3M | 0.59% | 3.25% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 33,136 |
Loan mix (Q1 2026): real estate $251.3M · commercial $5.7M · consumer $66.9M · securities $83.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 78.7% | 57th |
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.