| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +5.9% | +3.3% | +2.6 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.1 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 9.3% | 5.9% | +3.3 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $284.0M | $250.9M | $198.8M | $30.4M | $705K | 0.99% | 3.43% | 0.77% | 17,040 |
| Q4 2025 | $275.0M | $242.0M | $198.0M | $29.7M | $3.1M | 1.14% | 3.45% | 0.69% | 16,977 |
| Q3 2025 | $269.5M | $237.9M | $193.7M | $28.8M | $2.2M | 1.11% | 3.45% | 0.59% | 16,984 |
| Q2 2025 | $271.3M | $240.8M | $193.4M | $28.0M | $1.4M | 1.03% | 3.33% | 0.64% | 17,030 |
| Q1 2025 | $267.3M | $236.8M | $189.2M | $27.2M | $609K | 0.91% | 3.27% | 0.71% | 16,950 |
| Q4 2024 | $259.7M | $229.6M | $182.6M | $26.6M | $2.7M | 1.05% | 3.06% | 0.60% | 17,738 |
| Q3 2024 | $260.2M | $230.7M | $173.6M | $25.8M | $2.0M | 1.00% | 2.97% | 0.67% | 17,605 |
| Q2 2024 | $256.5M | $228.1M | $172.0M | $25.0M | $1.1M | 0.89% | 2.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 17,626 |
Loan mix (Q1 2026): real estate $99.5M · commercial $5.4M · consumer $83.9M · securities $50.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 78.7% | 30th |
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.