| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +3.9% | +4.4 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +10.7% | +2.9% | +7.7 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.8% | 5.9% | +0.8 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $287.6M | $251.3M | $234.2M | $30.4M | $516K | 0.72% | 3.92% | 0.10% | 14,206 |
| Q4 2025 | $269.2M | $232.7M | $233.8M | $30.1M | $2.2M | 0.80% | 4.21% | 0.09% | 14,108 |
| Q3 2025 | $269.7M | $233.3M | $226.6M | $29.7M | $1.8M | 0.87% | 4.15% | 0.30% | 14,181 |
| Q2 2025 | $265.5M | $229.4M | $218.6M | $29.2M | $1.3M | 0.98% | 4.13% | 0.23% | 14,145 |
| Q1 2025 | $265.5M | $230.0M | $211.6M | $28.5M | $550K | 0.83% | 3.98% | 0.07% | 14,069 |
| Q4 2024 | $260.4M | $225.3M | $193.7M | $28.1M | $1.5M | 0.58% | 3.62% | 0.55% | 14,050 |
| Q3 2024 | $272.2M | $221.9M | $175.9M | $27.8M | $1.3M | 0.62% | 3.41% | 0.30% | 14,083 |
| Q2 2024 | $280.6M | $215.1M | $172.4M | $27.5M | $893K | 0.64% | 3.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 14,110 |
Loan mix (Q1 2026): real estate $114.3M · commercial $50.5M · consumer $65.7M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 78.7% | 49th |
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% |
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