| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.8% | +1.0 pts |
| Share growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +11.9% | +4.3% | +7.5 pts |
| ROA | 0.46% | 0.62% | -0.2 pts |
| ROE | 5.1% | 5.9% | -0.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $556.3M | $504.0M | $418.6M | $50.1M | $633K | 0.46% | 3.78% | 0.52% | 39,123 |
| Q4 2025 | $535.0M | $480.1M | $415.6M | $49.5M | $4.0M | 0.74% | 3.89% | 0.76% | 38,878 |
| Q3 2025 | $504.5M | $452.7M | $395.3M | $48.8M | $3.2M | 0.84% | 4.04% | 0.73% | 38,763 |
| Q2 2025 | $524.9M | $472.5M | $384.8M | $48.0M | $2.3M | 0.88% | 3.81% | 0.79% | 38,401 |
| Q1 2025 | $526.0M | $476.8M | $374.2M | $47.1M | $1.5M | 1.11% | 3.65% | 0.65% | 38,522 |
| Q4 2024 | $508.1M | $463.1M | $370.3M | $45.4M | $2.9M | 0.58% | 3.71% | 0.61% | 38,357 |
| Q3 2024 | $488.4M | $441.0M | $361.4M | $45.7M | $2.1M | 0.56% | 3.76% | 0.67% | 37,958 |
| Q2 2024 | $493.4M | $447.4M | $347.7M | $44.7M | $1.1M | 0.43% | 3.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.62% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.70% |
| 37,686 |
Loan mix (Q1 2026): real estate $222.0M · commercial $47.3M · consumer $124.0M · securities $63.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 78.3% | 84th |
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.