| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.6% | +3.3% | +3.3 pts |
| Loan growth (YoY) | -0.6% | +2.9% | -3.6 pts |
| ROA | 1.74% | 0.69% | +1.0 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $253.6M | $203.4M | $166.5M | $47.5M | $1.1M | 1.74% | 4.76% | 0.77% | 13,995 |
| Q4 2025 | $248.5M | $200.4M | $171.8M | $46.4M | $3.8M | 1.53% | 4.90% | 0.64% | 13,972 |
| Q3 2025 | $240.7M | $191.7M | $174.1M | $45.5M | $2.9M | 1.61% | 5.02% | 0.67% | 14,074 |
| Q2 2025 | $240.6M | $193.8M | $172.4M | $44.2M | $1.5M | 1.29% | 4.96% | 0.73% | 14,134 |
| Q1 2025 | $237.2M | $190.7M | $167.5M | $43.5M | $859K | 1.45% | 4.96% | 0.70% | 14,065 |
| Q4 2024 | $227.0M | $182.2M | $164.1M | $42.6M | $3.2M | 1.41% | 5.01% | 0.83% | 13,993 |
| Q3 2024 | $222.9M | $178.3M | $164.9M | $42.4M | $3.0M | 1.77% | 5.04% | 0.98% | 14,131 |
| Q2 2024 | $228.2M | $184.8M | $169.1M | $41.2M | $1.8M | 1.57% | 4.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 14,344 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $155.9M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 78.7% | 14th |
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.