| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +3.9% | +0.2 pts |
| Share growth (YoY) | +5.9% | +3.3% | +2.6 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.6 pts |
| ROA | 2.02% | 0.69% | +1.3 pts |
| ROE | 12.1% | 5.9% | +6.2 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $359.9M | $297.8M | $267.1M | $60.0M | $1.8M | 2.02% | 4.70% | 0.43% | 36,074 |
| Q4 2025 | $358.2M | $296.9M | $268.9M | $58.2M | $4.6M | 1.29% | 4.45% | 0.40% | 35,653 |
| Q3 2025 | $361.7M | $289.2M | $261.1M | $57.5M | $4.0M | 1.47% | 4.33% | 0.36% | 35,203 |
| Q2 2025 | $351.6M | $280.8M | $257.2M | $56.3M | $2.7M | 1.56% | 4.35% | 0.47% | 34,728 |
| Q1 2025 | $345.6M | $281.3M | $248.4M | $54.9M | $1.4M | 1.60% | 4.35% | 0.38% | 34,241 |
| Q4 2024 | $337.9M | $269.4M | $245.5M | $53.5M | $5.4M | 1.59% | 4.36% | 0.31% | 34,264 |
| Q3 2024 | $334.3M | $266.7M | $243.5M | $52.9M | $4.8M | 1.90% | 4.35% | 0.33% | 33,870 |
| Q2 2024 | $325.4M | $261.8M | $241.4M | $51.0M | $2.9M | 1.77% | 4.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 0.69% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 33,603 |
Loan mix (Q1 2026): real estate $124.2M · commercial $35.6M · consumer $94.6M · securities $45.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 78.7% | 20th |
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.