| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +4.9% | +3.3% | +1.6 pts |
| Loan growth (YoY) | +8.4% | +2.9% | +5.5 pts |
| ROA | 0.74% | 0.69% | +0.0 pts |
| ROE | 7.3% | 5.9% | +1.3 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $232.8M | $207.7M | $152.5M | $23.6M | $430K | 0.74% | 3.50% | 0.13% | 14,699 |
| Q4 2025 | $230.4M | $204.9M | $147.6M | $23.2M | $1.8M | 0.78% | 3.22% | 0.27% | 14,595 |
| Q3 2025 | $223.6M | $198.7M | $143.5M | $22.8M | $1.3M | 0.78% | 3.26% | 0.37% | 14,582 |
| Q2 2025 | $222.6M | $198.6M | $142.2M | $22.3M | $880K | 0.79% | 3.17% | 0.38% | 14,730 |
| Q1 2025 | $221.6M | $198.0M | $140.7M | $21.9M | $399K | 0.72% | 3.00% | 0.25% | 14,766 |
| Q4 2024 | $218.4M | $195.4M | $133.7M | $21.5M | $1.6M | 0.72% | 3.06% | 0.20% | 14,665 |
| Q3 2024 | $214.2M | $192.4M | $133.8M | $21.1M | $1.2M | 0.73% | 3.10% | 0.07% | 14,740 |
| Q2 2024 | $213.7M | $191.2M | $135.7M | $20.7M | $770K | 0.72% | 3.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.10% |
| 14,971 |
Loan mix (Q1 2026): real estate $42.5M · commercial $29.2M · consumer $63.1M · securities $35.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 78.7% | 52th |
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% |
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