| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +1.0% | +2.9% | -1.9 pts |
| ROA | 0.29% | 0.69% | -0.4 pts |
| ROE | 3.0% | 5.9% | -2.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $351.3M | $314.4M | $212.7M | $33.2M | $252K | 0.29% | 3.35% | 0.82% | 22,081 |
| Q4 2025 | $339.1M | $300.5M | $210.4M | $32.9M | $909K | 0.27% | 3.45% | 0.93% | 22,283 |
| Q3 2025 | $325.5M | $287.6M | $207.7M | $32.6M | $650K | 0.27% | 3.56% | 1.34% | 22,551 |
| Q2 2025 | $337.4M | $297.8M | $211.2M | $32.6M | $649K | 0.38% | 3.33% | 1.05% | 21,909 |
| Q1 2025 | $340.8M | $304.0M | $210.6M | $32.3M | $259K | 0.30% | 3.16% | 0.82% | 21,633 |
| Q4 2024 | $328.9M | $290.7M | $214.9M | $32.0M | $1.5M | 0.46% | 3.17% | 0.83% | 22,377 |
| Q3 2024 | $321.7M | $283.0M | $219.1M | $31.3M | $752K | 0.31% | 3.30% | 0.73% | 23,943 |
| Q2 2024 | $319.0M | $281.7M | $212.9M | $30.5M | $478K | 0.30% | 3.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 21,399 |
Loan mix (Q1 2026): real estate $93.3M · commercial $15.5M · consumer $93.0M · securities $65.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 78.7% | 73th |
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.