| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.8% | +5.6 pts |
| Share growth (YoY) | +7.1% | +4.3% | +2.8 pts |
| Loan growth (YoY) | +5.4% | +4.3% | +1.0 pts |
| ROA | 0.47% | 0.62% | -0.1 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $672.1M | $592.8M | $450.0M | $57.7M | $794K | 0.47% | 3.56% | 0.64% | 37,804 |
| Q4 2025 | $644.8M | $565.0M | $439.2M | $56.9M | $8.2M | 1.27% | 3.46% | 0.81% | 37,655 |
| Q3 2025 | $631.9M | $552.7M | $441.0M | $55.1M | $6.3M | 1.34% | 3.46% | 0.95% | 38,148 |
| Q2 2025 | $616.8M | $557.2M | $432.3M | $50.7M | $890K | 0.29% | 3.49% | 0.94% | 38,569 |
| Q1 2025 | $609.0M | $553.6M | $427.1M | $50.1M | $290K | 0.19% | 3.54% | 0.80% | 38,989 |
| Q4 2024 | $592.2M | $524.8M | $432.5M | $49.8M | $834K | 0.14% | 3.63% | 0.74% | 43,441 |
| Q3 2024 | $600.9M | $524.4M | $440.6M | $50.2M | $330K | 0.07% | 3.55% | 0.78% | 44,902 |
| Q2 2024 | $597.5M | $523.1M | $444.7M | $50.8M | $859K | 0.29% | 3.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.62% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 45,856 |
Loan mix (Q1 2026): real estate $286.4M · commercial $35.6M · consumer $123.3M · securities $100.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.3% | 63th |
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.