| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.8% | -0.6 pts |
| Share growth (YoY) | +2.6% | +4.3% | -1.7 pts |
| Loan growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| ROA | 1.15% | 0.62% | +0.5 pts |
| ROE | 8.6% | 5.9% | +2.7 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $659.9M | $557.6M | $471.4M | $88.8M | $1.9M | 1.15% | 3.18% | 0.25% | 34,621 |
| Q4 2025 | $637.0M | $537.9M | $468.4M | $86.9M | $8.4M | 1.32% | 3.18% | 0.53% | 34,478 |
| Q3 2025 | $631.3M | $535.9M | $456.5M | $83.5M | $5.0M | 1.06% | 3.17% | 0.39% | 34,521 |
| Q2 2025 | $634.8M | $540.7M | $452.4M | $81.4M | $3.0M | 0.93% | 3.09% | 0.44% | 34,320 |
| Q1 2025 | $633.5M | $543.5M | $451.8M | $79.8M | $1.3M | 0.81% | 2.97% | 0.25% | 34,120 |
| Q4 2024 | $606.5M | $519.9M | $454.0M | $78.2M | $6.3M | 1.04% | 2.93% | 0.48% | 33,541 |
| Q3 2024 | $593.4M | $509.8M | $453.2M | $75.9M | $4.0M | 0.91% | 2.94% | 1.18% | 33,498 |
| Q2 2024 | $596.2M | $512.2M | $453.8M | $74.2M | $2.4M | 0.79% | 2.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.62% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 33,625 |
Loan mix (Q1 2026): real estate $261.3M · commercial $90.8M · consumer $109.2M · securities $69.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 78.3% | 25th |
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.