| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.9% | +1.5 pts |
| Share growth (YoY) | +5.2% | +3.3% | +1.9 pts |
| Loan growth (YoY) | +6.1% | +2.9% | +3.2 pts |
| ROA | 1.07% | 0.69% | +0.4 pts |
| ROE | 10.7% | 5.9% | +4.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $488.5M | $436.1M | $268.8M | $48.7M | $1.3M | 1.07% | 2.91% | 0.88% | 22,101 |
| Q4 2025 | $479.5M | $429.3M | $269.2M | $47.4M | $4.7M | 0.97% | 2.76% | 1.46% | 21,961 |
| Q3 2025 | $476.7M | $427.4M | $269.6M | $46.0M | $3.3M | 0.92% | 2.71% | 0.88% | 22,310 |
| Q2 2025 | $467.5M | $417.9M | $260.8M | $44.9M | $2.2M | 0.93% | 2.70% | 1.11% | 22,205 |
| Q1 2025 | $463.4M | $414.7M | $253.3M | $43.9M | $1.2M | 1.02% | 2.64% | 0.78% | 22,059 |
| Q4 2024 | $453.5M | $406.1M | $250.0M | $42.7M | $3.5M | 0.77% | 2.37% | 1.17% | 22,013 |
| Q3 2024 | $444.5M | $398.7M | $249.1M | $41.6M | $2.4M | 0.71% | 2.35% | 1.42% | 22,307 |
| Q2 2024 | $437.0M | $393.1M | $248.4M | $40.6M | $1.4M | 0.65% | 2.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 22,196 |
Loan mix (Q1 2026): real estate $158.8M · commercial $0 · consumer $99.1M · securities $149.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 78.7% | 19th |
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.