| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.0 pts |
| Share growth (YoY) | +2.9% | +3.3% | -0.4 pts |
| Loan growth (YoY) | +0.5% | +2.9% | -2.5 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $435.5M | $398.1M | $246.9M | $39.3M | $458K | 0.42% | 2.77% | 1.16% | 34,253 |
| Q4 2025 | $430.1M | $394.5M | $246.6M | $38.8M | $464K | 0.11% | 2.67% | 1.43% | 35,781 |
| Q3 2025 | $417.5M | $382.8M | $253.9M | $38.4M | $27K | 0.01% | 2.72% | 1.33% | 34,860 |
| Q2 2025 | $420.7M | $386.5M | $252.2M | $38.5M | $160K | 0.08% | 2.66% | 1.39% | 36,412 |
| Q1 2025 | $418.9M | $387.0M | $245.7M | $38.3M | $-5K | -0.00% | 2.63% | 1.30% | 35,082 |
| Q4 2024 | $415.1M | $372.8M | $251.8M | $38.6M | $869K | 0.21% | 2.74% | 1.53% | 36,622 |
| Q3 2024 | $415.3M | $365.9M | $262.0M | $38.4M | $539K | 0.17% | 2.74% | 1.34% | 35,695 |
| Q2 2024 | $433.9M | $378.4M | $269.6M | $38.3M | $199K | 0.09% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.19% |
| 35,950 |
Loan mix (Q1 2026): real estate $72.7M · commercial $0 · consumer $172.3M · securities $85.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
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.