| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.9% | +1.9 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.8 pts |
| ROA | 0.89% | 0.69% | +0.2 pts |
| ROE | 5.1% | 5.9% | -0.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $267.1M | $217.2M | $129.6M | $46.5M | $592K | 0.89% | 4.56% | 0.71% | 18,694 |
| Q4 2025 | $262.7M | $214.1M | $129.5M | $45.9M | $4.4M | 1.69% | 4.71% | 0.86% | 18,692 |
| Q3 2025 | $260.7M | $212.2M | $133.1M | $45.3M | $3.8M | 1.95% | 4.72% | 1.49% | 18,759 |
| Q2 2025 | $251.8M | $204.9M | $134.7M | $44.2M | $2.7M | 2.15% | 4.78% | 3.62% | 18,636 |
| Q1 2025 | $252.4M | $206.8M | $134.9M | $42.6M | $1.1M | 1.67% | 4.72% | 1.33% | 18,637 |
| Q4 2024 | $242.8M | $200.3M | $135.1M | $41.5M | $3.9M | 1.60% | 4.85% | 1.39% | 18,595 |
| Q3 2024 | $245.8M | $204.2M | $134.9M | $40.4M | $2.8M | 1.51% | 4.77% | 1.64% | 18,719 |
| Q2 2024 | $247.5M | $207.4M | $134.2M | $39.3M | $1.7M | 1.34% | 4.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.56% |
| 18,011 |
Loan mix (Q1 2026): real estate $39.7M · commercial $9.6M · consumer $76.0M · securities $86.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 78.7% | 27th |
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.