| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +3.9% | +3.5 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.2 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.0 pts |
| ROA | 0.98% | 0.69% | +0.3 pts |
| ROE | 8.5% | 5.9% | +2.6 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $370.7M | $325.4M | $198.6M | $42.7M | $907K | 0.98% | 3.18% | 0.18% | 21,316 |
| Q4 2025 | $368.9M | $324.6M | $197.2M | $41.8M | $4.7M | 1.28% | 3.23% | 0.23% | 21,289 |
| Q3 2025 | $356.6M | $314.1M | $194.6M | $40.6M | $3.4M | 1.26% | 3.34% | 0.28% | 21,273 |
| Q2 2025 | $349.3M | $308.3M | $195.5M | $39.3M | $2.2M | 1.23% | 3.38% | 0.18% | 21,136 |
| Q1 2025 | $345.3M | $305.5M | $194.8M | $38.1M | $955K | 1.11% | 3.28% | 0.25% | 21,095 |
| Q4 2024 | $324.0M | $285.5M | $192.3M | $37.2M | $4.7M | 1.47% | 3.54% | 0.27% | 20,902 |
| Q3 2024 | $319.1M | $282.6M | $194.6M | $35.9M | $3.3M | 1.39% | 3.59% | 0.31% | 20,823 |
| Q2 2024 | $313.5M | $278.9M | $191.8M | $34.8M | $2.2M | 1.40% | 3.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 20,752 |
Loan mix (Q1 2026): real estate $91.6M · commercial $36.6M · consumer $69.6M · securities $44.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 78.7% | 42th |
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.