| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +3.8% | +3.3% | +0.5 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $312.8M | $280.4M | $243.5M | $29.7M | $712K | 0.91% | 4.53% | 0.57% | 34,149 |
| Q4 2025 | $302.5M | $271.2M | $241.9M | $29.0M | $980K | 0.32% | 4.35% | 0.64% | 34,080 |
| Q3 2025 | $292.0M | $266.9M | $233.3M | $23.5M | $673K | 0.31% | 4.45% | 0.59% | 32,854 |
| Q2 2025 | $291.6M | $266.7M | $235.1M | $23.7M | $269K | 0.18% | 4.33% | 0.41% | 32,518 |
| Q1 2025 | $295.0M | $270.1M | $234.3M | $23.8M | $403K | 0.55% | 4.67% | 0.31% | 32,518 |
| Q4 2024 | $284.3M | $260.6M | $234.9M | $23.4M | $592K | 0.21% | 4.07% | 0.31% | 32,214 |
Loan mix (Q1 2026): real estate $61.8M · commercial $33.3M · consumer $147.3M · securities $2.6M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.62% | 91th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.6% | 78.7% | 53th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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.