| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | -2.0% | +2.9% | -4.9 pts |
| ROA | 1.14% | 0.69% | +0.4 pts |
| ROE | 10.4% | 5.9% | +4.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $324.1M | $285.4M | $224.1M | $35.6M | $924K | 1.14% | 3.48% | 0.13% | 26,888 |
| Q4 2025 | $320.2M | $281.1M | $229.8M | $34.7M | $3.3M | 1.02% | 3.46% | 0.12% | 26,870 |
| Q3 2025 | $311.2M | $274.0M | $228.0M | $34.0M | $2.4M | 1.02% | 3.48% | 0.49% | 26,501 |
| Q2 2025 | $312.9M | $276.9M | $229.6M | $33.0M | $1.5M | 0.94% | 3.39% | 0.52% | 27,058 |
| Q1 2025 | $313.7M | $279.0M | $228.7M | $32.2M | $609K | 0.78% | 3.26% | 0.13% | 26,836 |
| Q4 2024 | $292.5M | $258.5M | $229.1M | $31.6M | $2.2M | 0.75% | 3.29% | 0.11% | 26,594 |
| Q3 2024 | $294.1M | $256.9M | $229.4M | $31.2M | $1.7M | 0.77% | 3.23% | 0.10% | 26,611 |
| Q2 2024 | $296.7M | $258.7M | $233.6M | $30.6M | $1.0M | 0.69% | 3.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.11% |
| 26,674 |
Loan mix (Q1 2026): real estate $41.2M · commercial $32.7M · consumer $148.7M · securities $46.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 78.7% | 38th |
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.