| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +4.2% | +3.3% | +0.9 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 1.14% | 0.69% | +0.4 pts |
| ROE | 11.7% | 5.9% | +5.8 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $222.6M | $200.1M | $116.3M | $21.6M | $634K | 1.14% | 3.25% | 0.81% | 13,540 |
| Q4 2025 | $220.6M | $198.1M | $118.0M | $21.0M | $2.5M | 1.13% | 3.20% | 0.81% | 13,488 |
| Q3 2025 | $213.2M | $191.4M | $115.4M | $20.4M | $1.8M | 1.16% | 3.27% | 0.68% | 13,512 |
| Q2 2025 | $213.1M | $192.2M | $117.1M | $19.8M | $1.3M | 1.18% | 3.16% | 0.87% | 13,468 |
| Q1 2025 | $211.6M | $192.1M | $113.4M | $19.0M | $487K | 0.92% | 3.07% | 0.55% | 13,514 |
| Q4 2024 | $207.1M | $188.7M | $117.8M | $18.5M | $1.3M | 0.61% | 2.71% | 0.70% | 13,545 |
| Q3 2024 | $204.1M | $185.7M | $117.8M | $18.0M | $652K | 0.43% | 2.62% | 0.35% | 13,581 |
| Q2 2024 | $204.4M | $186.0M | $110.2M | $17.6M | $239K | 0.23% | 2.52% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 13,511 |
Loan mix (Q1 2026): real estate $61.3M · commercial $9.3M · consumer $43.0M · securities $62.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 78.7% | 30th |
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.