| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.9% | +2.3 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.5 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $239.6M | $205.4M | $166.2M | $33.8M | $508K | 0.85% | 3.42% | 0.53% | 11,608 |
| Q4 2025 | $233.3M | $199.3M | $168.4M | $33.3M | $2.9M | 1.22% | 3.50% | 0.93% | 11,712 |
| Q3 2025 | $228.0M | $194.8M | $167.6M | $32.5M | $2.1M | 1.24% | 3.57% | 0.40% | 11,778 |
| Q2 2025 | $226.5M | $194.0M | $164.9M | $31.8M | $1.4M | 1.21% | 3.53% | 0.28% | 11,784 |
| Q1 2025 | $225.6M | $194.7M | $162.3M | $31.1M | $662K | 1.17% | 3.52% | 0.36% | 11,791 |
| Q4 2024 | $218.4M | $188.0M | $156.8M | $30.4M | $3.0M | 1.36% | 3.47% | 0.82% | 11,732 |
| Q3 2024 | $215.0M | $185.4M | $154.7M | $29.8M | $2.3M | 1.44% | 3.52% | 0.78% | 11,861 |
| Q2 2024 | $216.0M | $186.5M | $152.7M | $29.0M | $1.6M | 1.47% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 11,889 |
Loan mix (Q1 2026): real estate $81.8M · commercial $13.5M · consumer $66.3M · securities $20.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 78.7% | 46th |
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.