| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.8% | +0.1 pts |
| Share growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +8.3% | +4.3% | +4.0 pts |
| ROA | 0.48% | 0.62% | -0.1 pts |
| ROE | 6.4% | 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 | $725.9M | $668.3M | $489.2M | $54.3M | $864K | 0.48% | 3.63% | 1.42% | 44,162 |
| Q4 2025 | $713.4M | $657.4M | $482.2M | $53.5M | $1.4M | 0.20% | 3.53% | 1.63% | 44,033 |
| Q3 2025 | $709.6M | $654.0M | $471.9M | $53.0M | $929K | 0.17% | 3.51% | 0.40% | 43,823 |
| Q2 2025 | $706.8M | $654.8M | $473.8M | $52.4M | $321K | 0.09% | 3.40% | 0.27% | 43,384 |
| Q1 2025 | $692.5M | $642.4M | $451.8M | $52.0M | $-58K | -0.03% | 3.38% | 0.26% | 42,947 |
| Q4 2024 | $663.2M | $615.5M | $446.9M | $52.1M | $2.9M | 0.43% | 3.25% | 1.75% | 43,055 |
| Q3 2024 | $652.1M | $599.8M | $430.3M | $51.8M | $2.6M | 0.53% | 3.25% | 0.26% | 43,170 |
| Q2 2024 | $632.6M | $587.1M | $409.2M | $50.8M | $1.6M | 0.50% | 3.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.62% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 43,148 |
Loan mix (Q1 2026): real estate $257.4M · commercial $137.9M · consumer $83.2M · securities $163.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 78.3% | 88th |
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.