| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.8% | +0.5 pts |
| Share growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| Loan growth (YoY) | -2.6% | +4.3% | -7.0 pts |
| ROA | 1.60% | 0.62% | +1.0 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $704.4M | $575.7M | $135.6M | $126.4M | $2.8M | 1.60% | 2.80% | 0.27% | 30,677 |
| Q4 2025 | $687.5M | $561.0M | $137.7M | $123.6M | $12.2M | 1.78% | 2.90% | 0.37% | 31,129 |
| Q3 2025 | $679.5M | $556.1M | $138.7M | $120.7M | $9.3M | 1.83% | 2.95% | 0.47% | 31,538 |
| Q2 2025 | $676.8M | $556.8M | $139.3M | $117.5M | $6.1M | 1.79% | 2.90% | 0.48% | 31,783 |
| Q1 2025 | $669.1M | $552.1M | $139.3M | $114.3M | $2.9M | 1.73% | 2.86% | 0.19% | 32,183 |
| Q4 2024 | $649.5M | $535.8M | $140.5M | $111.4M | $13.4M | 2.07% | 3.22% | 0.49% | 32,378 |
| Q3 2024 | $639.0M | $527.6M | $141.0M | $108.3M | $10.4M | 2.17% | 3.34% | 0.37% | 33,176 |
| Q2 2024 | $633.0M | $525.4M | $138.5M | $104.9M | $7.0M | 2.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.62% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.38% |
| 0.38% |
| 33,522 |
Loan mix (Q1 2026): real estate $93.0M · commercial $18.9M · consumer $19.3M · securities $359.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 78.3% | 2th |
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.