| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | +0.2% | +3.3% | -3.1 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.5 pts |
| ROA | 0.86% | 0.69% | +0.2 pts |
| ROE | 7.6% | 5.9% | +1.7 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $288.0M | $255.5M | $186.3M | $32.4M | $619K | 0.86% | 3.35% | 0.64% | 18,935 |
| Q4 2025 | $286.5M | $254.9M | $185.4M | $31.8M | $1.9M | 0.66% | 2.99% | 1.00% | 18,846 |
| Q3 2025 | $287.1M | $256.1M | $188.1M | $31.0M | $1.2M | 0.56% | 2.89% | 0.93% | 18,632 |
| Q2 2025 | $285.5M | $255.9M | $188.8M | $30.5M | $709K | 0.50% | 2.84% | 0.83% | 18,509 |
| Q1 2025 | $284.7M | $255.0M | $187.5M | $30.0M | $215K | 0.30% | 2.63% | 0.38% | 18,420 |
| Q4 2024 | $280.9M | $248.5M | $185.7M | $29.8M | $1.9M | 0.67% | 2.70% | 0.50% | 18,432 |
| Q3 2024 | $279.3M | $245.6M | $184.2M | $29.1M | $1.2M | 0.57% | 2.68% | 1.00% | 18,680 |
| Q2 2024 | $272.1M | $239.7M | $182.1M | $28.8M | $822K | 0.60% | 2.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 18,829 |
Loan mix (Q1 2026): real estate $57.3M · commercial $38.7M · consumer $88.5M · securities $79.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.7% | 50th |
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.