| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.8% | -0.4 pts |
| Share growth (YoY) | +3.6% | +4.3% | -0.7 pts |
| Loan growth (YoY) | -0.8% | +4.3% | -5.2 pts |
| ROA | 0.61% | 0.62% | -0.0 pts |
| ROE | 6.4% | 5.9% | +0.5 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $805.0M | $734.9M | $409.5M | $77.3M | $1.2M | 0.61% | 2.91% | 0.65% | 45,859 |
| Q4 2025 | $782.5M | $713.4M | $405.9M | $76.0M | $5.8M | 0.74% | 2.89% | 0.73% | 46,106 |
| Q3 2025 | $769.8M | $702.2M | $408.3M | $75.1M | $4.9M | 0.85% | 2.90% | 0.58% | 45,947 |
| Q2 2025 | $766.8M | $702.5M | $411.9M | $72.9M | $2.6M | 0.69% | 2.83% | 0.96% | 45,656 |
| Q1 2025 | $771.5M | $709.4M | $413.0M | $72.3M | $1.9M | 1.01% | 2.81% | 0.59% | 45,322 |
| Q4 2024 | $739.8M | $680.6M | $420.0M | $70.3M | $2.4M | 0.32% | 2.54% | 0.81% | 45,136 |
| Q3 2024 | $727.1M | $665.8M | $420.0M | $69.8M | $1.9M | 0.34% | 2.53% | 0.99% | 44,984 |
| Q2 2024 | $730.9M | $673.9M | $425.3M | $69.0M | $1.0M | 0.28% | 2.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.62% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 46,716 |
Loan mix (Q1 2026): real estate $273.3M · commercial $37.1M · consumer $93.1M · securities $307.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.3% | 58th |
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.