| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.8% | -0.8 pts |
| Share growth (YoY) | +3.8% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +10.4% | +4.3% | +6.1 pts |
| ROA | 0.47% | 0.62% | -0.2 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $701.5M | $618.7M | $589.0M | $65.5M | $818K | 0.47% | 4.36% | 0.88% | 37,958 |
| Q4 2025 | $691.5M | $609.9M | $572.9M | $64.7M | $4.7M | 0.68% | 4.27% | 1.11% | 37,739 |
| Q3 2025 | $675.4M | $593.8M | $566.2M | $63.8M | $3.6M | 0.71% | 4.29% | 0.97% | 38,530 |
| Q2 2025 | $677.6M | $598.0M | $555.4M | $62.7M | $2.4M | 0.71% | 4.18% | 0.43% | 38,111 |
| Q1 2025 | $675.0M | $596.3M | $533.4M | $60.9M | $635K | 0.38% | 4.09% | 0.37% | 37,748 |
| Q4 2024 | $653.7M | $577.9M | $531.5M | $60.1M | $3.2M | 0.48% | 3.83% | 0.55% | 37,381 |
| Q3 2024 | $638.7M | $562.8M | $531.6M | $59.7M | $2.2M | 0.46% | 3.39% | 0.63% | 37,296 |
| Q2 2024 | $640.5M | $573.9M | $530.8M | $58.3M | $1.1M | 0.34% | 3.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.62% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.58% |
| 37,029 |
Loan mix (Q1 2026): real estate $223.0M · commercial $53.2M · consumer $307.8M · securities $30.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.3% | 57th |
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.