| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.8% | -1.9 pts |
| Share growth (YoY) | +4.6% | +4.3% | +0.3 pts |
| Loan growth (YoY) | -0.8% | +4.3% | -5.1 pts |
| ROA | 0.47% | 0.62% | -0.1 pts |
| ROE | 3.9% | 5.9% | -2.1 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $846.3M | $718.5M | $556.0M | $103.1M | $995K | 0.47% | 2.41% | 0.16% | 14,703 |
| Q4 2025 | $826.0M | $697.8M | $561.7M | $102.1M | $5.0M | 0.60% | 2.34% | 0.29% | 13,850 |
| Q3 2025 | $821.5M | $690.7M | $558.0M | $101.2M | $3.7M | 0.60% | 2.33% | 0.18% | 13,001 |
| Q2 2025 | $825.2M | $687.0M | $559.0M | $99.7M | $2.3M | 0.56% | 2.26% | 0.14% | 12,963 |
| Q1 2025 | $823.1M | $686.9M | $560.3M | $98.5M | $1.1M | 0.52% | 2.18% | 0.08% | 12,750 |
| Q4 2024 | $803.1M | $668.9M | $565.0M | $97.4M | $2.4M | 0.30% | 2.09% | 0.14% | 12,538 |
| Q3 2024 | $799.6M | $663.4M | $555.9M | $97.8M | $2.4M | 0.41% | 2.05% | 0.15% | 12,301 |
| Q2 2024 | $788.4M | $652.8M | $561.4M | $96.9M | $1.6M | 0.40% | 2.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.62% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 12,048 |
Loan mix (Q1 2026): real estate $512.7M · commercial $0 · consumer $41.0M · securities $224.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 78.3% | 65th |
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.