| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.0 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 3.4% | 5.9% | -2.5 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $340.2M | $255.4M | $280.7M | $40.9M | $349K | 0.41% | 3.52% | 0.32% | 15,381 |
| Q4 2025 | $328.1M | $246.9M | $273.9M | $37.3M | $2.1M | 0.63% | 3.46% | 0.60% | 14,736 |
| Q3 2025 | $329.3M | $241.7M | $272.4M | $36.7M | $1.4M | 0.56% | 3.42% | 0.50% | 14,742 |
| Q2 2025 | $329.2M | $246.5M | $271.9M | $36.1M | $814K | 0.49% | 3.36% | 0.65% | 14,823 |
| Q1 2025 | $319.8M | $239.1M | $264.9M | $35.5M | $274K | 0.34% | 3.38% | 0.64% | 15,415 |
| Q4 2024 | $321.3M | $233.1M | $265.8M | $35.3M | $1.0M | 0.31% | 3.10% | 1.05% | 15,398 |
| Q3 2024 | $322.0M | $231.3M | $263.6M | $34.9M | $673K | 0.28% | 3.04% | 0.77% | 15,397 |
| Q2 2024 | $321.4M | $245.4M | $263.6M | $34.6M | $314K | 0.20% | 3.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 15,461 |
Loan mix (Q1 2026): real estate $202.0M · commercial $39.6M · consumer $21.8M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 78.7% | 76th |
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.