| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.2 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.2 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.1 pts |
| ROA | 1.47% | 0.69% | +0.8 pts |
| ROE | 9.9% | 5.9% | +4.0 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $280.0M | $237.9M | $178.7M | $41.4M | $1.0M | 1.47% | 3.48% | 0.94% | 10,067 |
| Q4 2025 | $278.9M | $237.7M | $173.7M | $40.4M | $4.2M | 1.52% | 3.34% | 0.89% | 10,021 |
| Q3 2025 | $274.7M | $234.7M | $173.4M | $39.4M | $3.2M | 1.54% | 3.33% | 0.42% | 9,979 |
| Q2 2025 | $264.5M | $225.5M | $175.2M | $38.2M | $2.0M | 1.49% | 3.39% | 1.06% | 9,898 |
| Q1 2025 | $261.4M | $223.4M | $168.6M | $37.1M | $961K | 1.47% | 3.31% | 1.08% | 9,840 |
| Q4 2024 | $253.4M | $216.6M | $164.1M | $36.2M | $2.2M | 0.85% | 2.67% | 0.96% | 9,827 |
| Q3 2024 | $249.0M | $211.9M | $165.4M | $36.4M | $2.4M | 1.26% | 3.08% | 1.61% | 9,772 |
| Q2 2024 | $238.6M | $202.1M | $168.5M | $35.4M | $1.4M | 1.14% | 3.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.59% |
| 9,698 |
Loan mix (Q1 2026): real estate $87.9M · commercial $42.2M · consumer $34.3M · securities $90.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 78.7% | 6th |
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.