| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.9% | -2.5 pts |
| Share growth (YoY) | +6.1% | +3.3% | +2.8 pts |
| Loan growth (YoY) | +7.3% | +2.9% | +4.3 pts |
| ROA | 0.96% | 0.69% | +0.3 pts |
| ROE | 11.4% | 5.9% | +5.4 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $450.1M | $414.8M | $351.4M | $37.7M | $1.1M | 0.96% | 3.74% | 0.47% | 24,692 |
| Q4 2025 | $455.4M | $401.7M | $345.5M | $36.7M | $3.4M | 0.74% | 3.42% | 0.70% | 24,584 |
| Q3 2025 | $444.7M | $391.5M | $340.2M | $35.8M | $2.4M | 0.73% | 3.43% | 0.91% | 24,738 |
| Q2 2025 | $439.5M | $384.7M | $336.4M | $35.0M | $1.7M | 0.76% | 3.42% | 0.69% | 24,335 |
| Q1 2025 | $443.6M | $391.0M | $327.6M | $34.1M | $833K | 0.75% | 3.32% | 0.54% | 24,259 |
| Q4 2024 | $440.8M | $384.3M | $321.4M | $33.3M | $2.1M | 0.48% | 2.82% | 0.38% | 24,119 |
| Q3 2024 | $435.9M | $379.5M | $310.3M | $34.6M | $1.6M | 0.48% | 2.74% | 0.50% | 24,016 |
| Q2 2024 | $435.2M | $375.5M | $292.6M | $33.9M | $916K | 0.42% | 2.60% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 23,698 |
Loan mix (Q1 2026): real estate $209.4M · commercial $76.3M · consumer $47.4M · securities $57.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 78.7% | 31th |
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.