| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +3.9% | +5.1 pts |
| Share growth (YoY) | +7.8% | +3.3% | +4.5 pts |
| Loan growth (YoY) | +6.7% | +2.9% | +3.8 pts |
| ROA | 1.63% | 0.69% | +0.9 pts |
| ROE | 10.2% | 5.9% | +4.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $413.6M | $350.8M | $250.2M | $66.1M | $1.7M | 1.63% | 3.92% | 0.79% | 25,798 |
| Q4 2025 | $399.9M | $338.7M | $248.6M | $64.4M | $7.0M | 1.74% | 3.70% | 0.87% | 26,013 |
| Q3 2025 | $393.1M | $332.4M | $243.2M | $63.8M | $6.3M | 2.15% | 3.96% | 0.66% | 25,811 |
| Q2 2025 | $378.9M | $322.5M | $235.9M | $60.9M | $3.4M | 1.82% | 4.03% | 0.83% | 25,742 |
| Q1 2025 | $379.4M | $325.4M | $234.4M | $59.0M | $1.6M | 1.66% | 3.89% | 0.86% | 25,607 |
| Q4 2024 | $371.5M | $320.6M | $231.8M | $57.5M | $4.2M | 1.12% | 3.51% | 0.94% | 25,509 |
| Q3 2024 | $371.2M | $319.2M | $227.6M | $56.7M | $3.4M | 1.22% | 3.56% | 1.39% | 25,361 |
| Q2 2024 | $370.5M | $322.0M | $224.3M | $55.4M | $2.2M | 1.16% | 3.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 25,213 |
Loan mix (Q1 2026): real estate $92.1M · commercial $9.2M · consumer $128.2M · securities $104.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 78.7% | 8th |
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.