| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.8% | +2.2 pts |
| Share growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| ROA | 1.04% | 0.62% | +0.4 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $510.6M | $443.1M | $350.8M | $55.5M | $1.3M | 1.04% | 3.63% | 0.31% | 35,393 |
| Q4 2025 | $494.6M | $428.5M | $350.1M | $54.1M | $5.0M | 1.01% | 3.60% | 0.59% | 35,065 |
| Q3 2025 | $481.4M | $416.1M | $343.8M | $52.6M | $3.5M | 0.97% | 3.61% | 0.71% | 35,232 |
| Q2 2025 | $483.3M | $419.8M | $332.2M | $51.9M | $2.2M | 0.93% | 3.52% | 0.82% | 35,046 |
| Q1 2025 | $477.5M | $415.1M | $330.5M | $50.9M | $1.3M | 1.05% | 3.54% | 0.56% | 34,689 |
| Q4 2024 | $476.3M | $405.7M | $331.4M | $49.7M | $4.6M | 0.97% | 3.37% | 0.84% | 34,395 |
| Q3 2024 | $461.9M | $390.9M | $324.6M | $48.4M | $3.3M | 0.96% | 3.42% | 0.90% | 34,335 |
| Q2 2024 | $454.8M | $385.6M | $325.1M | $47.7M | $2.1M | 0.94% | 3.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.62% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 34,248 |
Loan mix (Q1 2026): real estate $134.4M · commercial $132.9M · consumer $79.0M · securities $44.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 78.3% | 41th |
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.