| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | +5.3% | +2.9% | +2.4 pts |
| ROA | 0.75% | 0.69% | +0.1 pts |
| ROE | 7.7% | 5.9% | +1.7 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $355.6M | $318.8M | $249.2M | $34.6M | $664K | 0.75% | 3.79% | 0.77% | 28,585 |
| Q4 2025 | $354.1M | $317.8M | $246.3M | $33.9M | $2.0M | 0.58% | 3.54% | 0.84% | 28,800 |
| Q3 2025 | $346.4M | $311.0M | $237.8M | $33.1M | $1.2M | 0.47% | 3.53% | 0.57% | 29,155 |
| Q2 2025 | $347.6M | $312.9M | $235.9M | $32.5M | $570K | 0.33% | 3.41% | 0.62% | 29,518 |
| Q1 2025 | $346.9M | $312.8M | $236.6M | $32.0M | $86K | 0.10% | 3.30% | 0.50% | 29,804 |
| Q4 2024 | $343.9M | $309.0M | $242.7M | $31.9M | $1.7M | 0.50% | 3.12% | 0.55% | 30,006 |
| Q3 2024 | $337.5M | $302.7M | $248.2M | $31.3M | $1.2M | 0.46% | 3.12% | 0.50% | 30,361 |
| Q2 2024 | $335.1M | $299.9M | $249.2M | $30.7M | $376K | 0.22% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 30,620 |
Loan mix (Q1 2026): real estate $119.6M · commercial $7.0M · consumer $120.4M · securities $59.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 78.7% | 59th |
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% |
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