| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +4.8% | -6.7 pts |
| Share growth (YoY) | -3.8% | +4.3% | -8.1 pts |
| Loan growth (YoY) | -3.7% | +4.3% | -8.1 pts |
| ROA | 0.68% | 0.62% | +0.1 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $589.9M | $543.4M | $355.2M | $52.0M | $1.0M | 0.68% | 3.58% | 0.54% | 32,587 |
| Q4 2025 | $590.5M | $543.6M | $362.8M | $51.6M | $1.0M | 0.17% | 3.39% | 0.74% | 32,486 |
| Q3 2025 | $590.5M | $550.6M | $366.0M | $49.1M | $-1.4M | -0.33% | 3.35% | 0.57% | 32,346 |
| Q2 2025 | $598.3M | $559.9M | $362.9M | $48.7M | $-1.9M | -0.64% | 3.27% | 0.66% | 32,244 |
| Q1 2025 | $601.7M | $564.7M | $369.0M | $49.8M | $-815K | -0.54% | 3.13% | 1.10% | 32,524 |
| Q4 2024 | $605.7M | $538.8M | $378.8M | $51.1M | $-4.1M | -0.67% | 2.99% | 2.15% | 32,520 |
| Q3 2024 | $622.8M | $541.1M | $385.9M | $53.9M | $-1.3M | -0.29% | 2.87% | 1.96% | 32,625 |
| Q2 2024 | $623.8M | $538.9M | $390.1M | $54.5M | $-693K | -0.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.62% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.87% |
| 1.79% |
| 32,686 |
Loan mix (Q1 2026): real estate $104.8M · commercial $23.8M · consumer $184.7M · securities $125.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 78.3% | 53th |
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.