| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.8% | -1.3 pts |
| Share growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +5.7% | +4.3% | +1.4 pts |
| ROA | 1.14% | 0.62% | +0.5 pts |
| ROE | 11.9% | 5.9% | +6.0 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $754.0M | $676.8M | $520.3M | $72.0M | $2.1M | 1.14% | 4.60% | 0.49% | 53,516 |
| Q4 2025 | $743.4M | $668.0M | $519.8M | $69.9M | $5.0M | 0.68% | 4.52% | 0.72% | 53,244 |
| Q3 2025 | $730.7M | $655.3M | $517.0M | $69.5M | $4.2M | 0.77% | 4.54% | 0.73% | 53,381 |
| Q2 2025 | $731.3M | $658.6M | $504.5M | $68.1M | $2.8M | 0.78% | 4.43% | 0.93% | 53,115 |
| Q1 2025 | $729.2M | $658.2M | $492.2M | $66.6M | $1.3M | 0.74% | 4.31% | 0.59% | 52,468 |
| Q4 2024 | $706.5M | $637.9M | $489.4M | $65.2M | $6.2M | 0.88% | 4.34% | 0.90% | 52,130 |
| Q3 2024 | $698.8M | $629.4M | $488.8M | $65.0M | $5.6M | 1.07% | 4.35% | 0.80% | 52,083 |
| Q2 2024 | $708.3M | $642.1M | $481.3M | $63.3M | $3.9M | 1.09% | 4.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.62% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 51,634 |
Loan mix (Q1 2026): real estate $250.2M · commercial $28.9M · consumer $191.8M · securities $36.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 78.3% | 36th |
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.