| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.8% | -2.4 pts |
| Share growth (YoY) | +4.1% | +4.3% | -0.2 pts |
| Loan growth (YoY) | +3.5% | +4.3% | -0.8 pts |
| ROA | 0.43% | 0.62% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.6 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $917.0M | $763.3M | $696.8M | $90.9M | $991K | 0.43% | 2.71% | 0.41% | 40,620 |
| Q4 2025 | $906.5M | $747.7M | $696.4M | $89.9M | $3.8M | 0.42% | 2.54% | 0.63% | 39,926 |
| Q3 2025 | $913.6M | $750.4M | $689.4M | $89.1M | $2.9M | 0.42% | 2.45% | 0.37% | 39,050 |
| Q2 2025 | $900.8M | $742.3M | $676.8M | $88.3M | $1.6M | 0.35% | 2.38% | 0.50% | 38,174 |
| Q1 2025 | $896.3M | $733.5M | $673.4M | $87.2M | $514K | 0.23% | 2.23% | 0.36% | 37,359 |
| Q4 2024 | $840.9M | $711.8M | $661.1M | $86.7M | $2.2M | 0.26% | 2.14% | 0.48% | 37,278 |
| Q3 2024 | $859.2M | $706.7M | $650.2M | $86.3M | $1.8M | 0.28% | 2.03% | 0.42% | 36,253 |
| Q2 2024 | $818.6M | $697.1M | $642.9M | $86.2M | $1.3M | 0.32% | 2.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.62% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 35,692 |
Loan mix (Q1 2026): real estate $234.5M · commercial $282.9M · consumer $173.6M · securities $121.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 78.3% | 44th |
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.