| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +3.9% | +0.2 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 1.10% | 0.69% | +0.4 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $339.5M | $299.0M | $134.5M | $38.9M | $932K | 1.10% | 3.14% | 0.09% | 13,417 |
| Q4 2025 | $331.3M | $291.1M | $133.4M | $37.9M | $3.0M | 0.90% | 3.12% | 0.13% | 13,431 |
| Q3 2025 | $321.8M | $282.3M | $130.0M | $37.3M | $2.2M | 0.91% | 3.20% | 0.29% | 13,458 |
| Q2 2025 | $321.8M | $282.6M | $127.8M | $36.6M | $1.5M | 0.92% | 3.17% | 0.25% | 13,520 |
| Q1 2025 | $326.0M | $287.7M | $125.9M | $35.8M | $730K | 0.90% | 3.06% | 0.33% | 13,548 |
| Q4 2024 | $317.3M | $280.3M | $127.4M | $35.1M | $3.1M | 0.96% | 3.14% | 0.24% | 13,563 |
| Q3 2024 | $306.8M | $270.8M | $128.6M | $34.5M | $2.2M | 0.97% | 3.26% | 0.17% | 13,632 |
| Q2 2024 | $311.0M | $276.0M | $129.1M | $33.8M | $1.6M | 1.02% | 3.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 13,696 |
Loan mix (Q1 2026): real estate $100.1M · commercial $468K · consumer $33.5M · securities $124.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 78.7% | 26th |
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.