| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +3.9% | +4.1 pts |
| Share growth (YoY) | +8.2% | +3.3% | +4.9 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 3.5% | 5.9% | -2.5 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $494.9M | $441.5M | $374.1M | $50.0M | $433K | 0.35% | 2.84% | 0.70% | 28,620 |
| Q4 2025 | $472.7M | $419.8M | $374.4M | $49.5M | $2.3M | 0.49% | 2.90% | 0.79% | 28,431 |
| Q3 2025 | $467.9M | $416.7M | $366.0M | $48.9M | $1.7M | 0.49% | 2.89% | 0.89% | 28,247 |
| Q2 2025 | $464.6M | $413.6M | $357.1M | $48.4M | $1.2M | 0.51% | 2.83% | 0.83% | 27,943 |
| Q1 2025 | $458.3M | $408.0M | $350.1M | $47.9M | $669K | 0.58% | 2.79% | 0.78% | 27,572 |
| Q4 2024 | $436.0M | $386.2M | $349.3M | $47.2M | $2.7M | 0.61% | 2.82% | 0.94% | 27,293 |
| Q3 2024 | $429.2M | $381.4M | $343.6M | $46.5M | $2.0M | 0.61% | 2.82% | 0.96% | 27,278 |
| Q2 2024 | $425.1M | $377.2M | $341.6M | $45.7M | $1.2M | 0.55% | 2.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 27,090 |
Loan mix (Q1 2026): real estate $165.2M · commercial $8.3M · consumer $162.3M · securities $53.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 78.7% | 67th |
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.