| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.8% | -1.3 pts |
| Share growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +7.4% | +4.3% | +3.1 pts |
| ROA | 1.41% | 0.62% | +0.8 pts |
| ROE | 13.3% | 5.9% | +7.3 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 | $739.6M | $650.6M | $486.3M | $78.5M | $2.6M | 1.41% | 3.31% | 0.53% | 42,263 |
| Q4 2025 | $719.9M | $635.0M | $483.1M | $75.9M | $9.2M | 1.28% | 3.22% | 0.46% | 41,916 |
| Q3 2025 | $709.4M | $625.4M | $485.4M | $73.6M | $6.9M | 1.29% | 3.14% | 0.54% | 41,669 |
| Q2 2025 | $704.3M | $624.0M | $468.6M | $70.3M | $3.6M | 1.01% | 3.04% | 0.61% | 41,240 |
| Q1 2025 | $714.7M | $629.4M | $452.7M | $68.5M | $1.8M | 0.99% | 2.80% | 0.24% | 40,720 |
| Q4 2024 | $691.7M | $611.6M | $447.7M | $66.8M | $5.8M | 0.84% | 2.62% | 0.37% | 40,559 |
| Q3 2024 | $658.7M | $579.0M | $438.4M | $65.3M | $4.2M | 0.86% | 2.66% | 0.68% | 40,264 |
| Q2 2024 | $640.6M | $562.1M | $431.6M | $63.3M | $2.2M | 0.69% | 2.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.62% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 39,607 |
Loan mix (Q1 2026): real estate $268.7M · commercial $54.8M · consumer $131.5M · securities $104.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 78.3% | 22th |
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.