| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.8% | -0.3 pts |
| Share growth (YoY) | +3.5% | +4.3% | -0.8 pts |
| Loan growth (YoY) | +0.5% | +4.3% | -3.9 pts |
| ROA | 0.89% | 0.62% | +0.3 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $538.8M | $471.4M | $319.0M | $63.3M | $1.2M | 0.89% | 3.27% | 0.49% | 25,083 |
| Q4 2025 | $524.5M | $458.7M | $319.4M | $62.1M | $6.3M | 1.21% | 3.21% | 0.66% | 25,195 |
| Q3 2025 | $510.9M | $446.3M | $317.3M | $60.4M | $4.7M | 1.22% | 3.25% | 0.54% | 25,202 |
| Q2 2025 | $515.8M | $453.4M | $317.9M | $58.9M | $3.2M | 1.24% | 3.16% | 0.44% | 25,187 |
| Q1 2025 | $515.8M | $455.4M | $317.5M | $57.5M | $1.7M | 1.32% | 3.07% | 0.38% | 25,161 |
| Q4 2024 | $496.5M | $437.8M | $320.1M | $55.8M | $3.5M | 0.71% | 2.92% | 0.73% | 25,157 |
| Q3 2024 | $508.1M | $420.1M | $321.6M | $54.8M | $2.5M | 0.67% | 2.81% | 0.65% | 25,202 |
| Q2 2024 | $505.2M | $418.1M | $321.0M | $53.8M | $1.6M | 0.63% | 2.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.62% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 25,180 |
Loan mix (Q1 2026): real estate $185.0M · commercial $85.0M · consumer $39.7M · securities $117.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 78.3% | 46th |
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.