| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.8% | +5.4 pts |
| Share growth (YoY) | +9.3% | +4.3% | +5.0 pts |
| Loan growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| ROA | 1.38% | 0.62% | +0.8 pts |
| ROE | 14.4% | 5.9% | +8.5 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $569.5M | $516.3M | $339.4M | $54.4M | $2.0M | 1.38% | 3.86% | 0.84% | 36,412 |
| Q4 2025 | $554.6M | $505.9M | $340.1M | $52.5M | $6.6M | 1.18% | 3.81% | 0.95% | 36,461 |
| Q3 2025 | $541.0M | $490.8M | $327.7M | $50.2M | $4.3M | 1.05% | 3.86% | 0.89% | 36,593 |
| Q2 2025 | $527.6M | $480.1M | $329.8M | $48.3M | $2.4M | 0.91% | 3.89% | 0.86% | 36,569 |
| Q1 2025 | $516.8M | $472.4M | $332.3M | $46.8M | $856K | 0.66% | 3.82% | 0.72% | 36,355 |
| Q4 2024 | $495.9M | $451.5M | $333.7M | $46.0M | $4.4M | 0.89% | 3.79% | 1.05% | 36,176 |
| Q3 2024 | $476.7M | $434.1M | $325.6M | $44.9M | $3.4M | 0.94% | 3.90% | 0.92% | 36,172 |
| Q2 2024 | $470.1M | $422.3M | $318.7M | $43.4M | $1.8M | 0.76% | 3.87% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.62% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 35,918 |
Loan mix (Q1 2026): real estate $110.7M · commercial $30.8M · consumer $177.5M · securities $158.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 78.3% | 23th |
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.