| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +1.3% | +2.9% | -1.7 pts |
| ROA | 0.50% | 0.69% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $429.5M | $380.1M | $96.5M | $48.5M | $535K | 0.50% | 2.00% | 0.10% | 17,550 |
| Q4 2025 | $421.5M | $372.6M | $96.5M | $47.3M | $2.0M | 0.48% | 1.88% | 0.13% | 17,785 |
| Q3 2025 | $414.0M | $365.5M | $97.2M | $46.9M | $1.6M | 0.51% | 1.87% | 0.09% | 18,121 |
| Q2 2025 | $414.4M | $366.7M | $97.8M | $46.4M | $1.0M | 0.50% | 1.85% | 0.17% | 18,432 |
| Q1 2025 | $413.8M | $366.6M | $95.3M | $45.8M | $425K | 0.41% | 1.80% | 0.11% | 18,622 |
| Q4 2024 | $408.6M | $361.7M | $94.3M | $45.3M | $238K | 0.06% | 1.38% | 0.24% | 18,829 |
| Q3 2024 | $407.4M | $360.6M | $95.8M | $45.3M | $146K | 0.05% | 1.34% | 0.19% | 19,168 |
| Q2 2024 | $411.9M | $365.2M | $96.7M | $45.1M | $24K | 0.01% | 1.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.69% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 19,470 |
Loan mix (Q1 2026): real estate $59.6M · commercial $442K · consumer $34.8M · securities $275.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 78.7% | 52th |
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% |
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