| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.9% | -6.6 pts |
| Share growth (YoY) | -3.8% | +3.3% | -7.1 pts |
| Loan growth (YoY) | +0.4% | +2.9% | -2.6 pts |
| ROA | 0.74% | 0.69% | +0.0 pts |
| ROE | 5.4% | 5.9% | -0.6 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $401.2M | $341.6M | $167.7M | $55.4M | $742K | 0.74% | 2.83% | 0.45% | 17,733 |
| Q4 2025 | $395.0M | $336.1M | $169.1M | $54.6M | $3.2M | 0.80% | 2.94% | 0.44% | 17,640 |
| Q3 2025 | $394.5M | $335.1M | $167.6M | $53.8M | $2.3M | 0.77% | 2.96% | 0.21% | 17,584 |
| Q2 2025 | $403.6M | $346.3M | $167.2M | $52.8M | $1.3M | 0.63% | 2.92% | 0.33% | 17,609 |
| Q1 2025 | $412.2M | $355.2M | $167.1M | $52.5M | $975K | 0.95% | 2.94% | 0.20% | 17,638 |
| Q4 2024 | $412.3M | $356.6M | $168.4M | $51.5M | $3.3M | 0.80% | 2.56% | 0.40% | 17,586 |
| Q3 2024 | $425.2M | $368.5M | $166.6M | $51.2M | $2.9M | 0.92% | 2.60% | 0.16% | 17,563 |
| Q2 2024 | $337.8M | $283.1M | $175.7M | $49.6M | $1.3M | 0.79% | 2.96% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 17,462 |
Loan mix (Q1 2026): real estate $40.9M · commercial $0 · consumer $117.6M · securities $181.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 78.7% | 51th |
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.