| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.8% | +3.0 pts |
| Share growth (YoY) | +6.9% | +4.3% | +2.6 pts |
| Loan growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| ROA | 1.65% | 0.62% | +1.0 pts |
| ROE | 12.6% | 5.9% | +6.7 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $800.3M | $707.5M | $284.5M | $105.1M | $3.3M | 1.65% | 2.49% | 0.67% | 34,200 |
| Q4 2025 | $785.4M | $690.1M | $286.4M | $101.8M | $7.5M | 0.95% | 2.02% | 0.98% | 34,153 |
| Q3 2025 | $762.8M | $674.3M | $291.1M | $99.6M | $5.1M | 0.90% | 2.33% | 0.75% | 34,131 |
| Q2 2025 | $755.1M | $670.2M | $296.6M | $98.6M | $4.1M | 1.09% | 2.27% | 0.79% | 34,100 |
| Q1 2025 | $742.4M | $661.7M | $272.6M | $96.4M | $2.0M | 1.08% | 2.16% | 0.65% | 33,995 |
| Q4 2024 | $705.0M | $632.4M | $277.3M | $94.4M | $4.6M | 0.65% | 1.87% | 0.88% | 33,912 |
| Q3 2024 | $689.1M | $612.7M | $282.2M | $93.8M | $3.9M | 0.75% | 1.94% | 0.78% | 33,944 |
| Q2 2024 | $680.2M | $609.6M | $287.5M | $92.5M | $2.6M | 0.76% | 1.94% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 0.62% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.49% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 33,908 |
Loan mix (Q1 2026): real estate $175.7M · commercial $0 · consumer $92.6M · securities $434.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 78.3% | 2th |
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.