| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.8% | -0.9 pts |
| Share growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +0.1% | +4.3% | -4.2 pts |
| ROA | 3.51% | 0.62% | +2.9 pts |
| ROE | 33.8% | 5.9% | +27.8 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $504.0M | $433.4M | $387.8M | $52.4M | $4.4M | 3.51% | 4.11% | 0.95% | 39,068 |
| Q4 2025 | $495.0M | $430.0M | $394.5M | $47.9M | $3.8M | 0.76% | 4.19% | 0.97% | 39,021 |
| Q3 2025 | $475.3M | $411.9M | $391.9M | $47.5M | $3.0M | 0.85% | 4.35% | 0.87% | 38,892 |
| Q2 2025 | $473.3M | $413.1M | $386.0M | $46.3M | $1.9M | 0.80% | 4.33% | 0.89% | 38,214 |
| Q1 2025 | $485.4M | $424.6M | $387.4M | $45.4M | $1.0M | 0.83% | 4.20% | 0.78% | 38,084 |
| Q4 2024 | $464.8M | $403.2M | $392.1M | $44.4M | $1.8M | 0.38% | 4.18% | 0.94% | 37,809 |
| Q3 2024 | $467.4M | $389.2M | $386.3M | $44.2M | $1.2M | 0.35% | 4.13% | 0.74% | 37,430 |
| Q2 2024 | $448.2M | $361.6M | $371.8M | $43.5M | $505K | 0.23% | 4.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.51% | 0.62% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 33.8% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 36,602 |
Loan mix (Q1 2026): real estate $188.6M · commercial $26.6M · consumer $151.5M · securities $35.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 78.3% | 4th |
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.