| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.8 pts |
| ROA | 1.80% | 0.69% | +1.1 pts |
| ROE | 13.0% | 5.9% | +7.1 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $490.9M | $420.3M | $228.9M | $67.9M | $2.2M | 1.80% | 3.37% | 0.28% | 38,363 |
| Q4 2025 | $480.5M | $412.0M | $233.1M | $65.7M | $7.4M | 1.55% | 3.40% | 0.37% | 38,527 |
| Q3 2025 | $475.7M | $408.9M | $222.7M | $63.9M | $5.6M | 1.56% | 3.38% | 0.22% | 38,606 |
| Q2 2025 | $469.1M | $404.2M | $225.0M | $62.2M | $3.8M | 1.63% | 3.36% | 0.22% | 38,816 |
| Q1 2025 | $464.8M | $402.3M | $220.6M | $60.3M | $2.0M | 1.69% | 3.28% | 0.21% | 39,009 |
| Q4 2024 | $451.1M | $390.3M | $225.0M | $58.3M | $5.7M | 1.27% | 3.13% | 0.26% | 39,201 |
| Q3 2024 | $444.1M | $384.7M | $221.2M | $56.8M | $4.2M | 1.25% | 3.11% | 0.27% | 39,428 |
| Q2 2024 | $438.9M | $383.9M | $226.2M | $55.1M | $2.5M | 1.12% | 3.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 39,870 |
Loan mix (Q1 2026): real estate $30.6M · commercial $633K · consumer $192.3M · securities $199.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 78.7% | 12th |
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.