| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.8% | -0.0 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| ROA | 0.29% | 0.62% | -0.3 pts |
| ROE | 3.8% | 5.9% | -2.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $734.9M | $677.3M | $544.9M | $55.1M | $525K | 0.29% | 3.70% | 0.84% | 42,909 |
| Q4 2025 | $710.8M | $652.7M | $551.3M | $54.6M | $1.5M | 0.21% | 3.90% | 1.71% | 43,410 |
| Q3 2025 | $709.9M | $651.3M | $546.0M | $55.9M | $2.1M | 0.40% | 3.91% | 2.20% | 43,844 |
| Q2 2025 | $705.2M | $648.6M | $538.3M | $54.4M | $703K | 0.20% | 3.85% | 1.86% | 43,767 |
| Q1 2025 | $701.8M | $646.5M | $538.3M | $53.9M | $220K | 0.13% | 3.75% | 1.64% | 43,966 |
| Q4 2024 | $677.4M | $622.8M | $536.0M | $53.7M | $1.3M | 0.19% | 3.62% | 1.41% | 44,085 |
| Q3 2024 | $694.1M | $624.0M | $541.4M | $54.3M | $1.2M | 0.23% | 3.49% | 1.17% | 44,469 |
| Q2 2024 | $702.3M | $632.6M | $538.8M | $54.3M | $1.2M | 0.33% | 3.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.62% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 44,592 |
Loan mix (Q1 2026): real estate $208.9M · commercial $115.6M · consumer $209.7M · securities $64.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 78.3% | 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.