| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.8% | +3.3% | +4.5 pts |
| Loan growth (YoY) | +7.1% | +2.9% | +4.1 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.4% | 5.9% | -3.5 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $421.4M | $385.3M | $232.3M | $38.0M | $230K | 0.22% | 3.08% | 0.37% | 25,750 |
| Q4 2025 | $414.4M | $378.1M | $230.8M | $37.8M | $1.4M | 0.33% | 2.79% | 0.48% | 25,680 |
| Q3 2025 | $405.4M | $369.1M | $227.0M | $37.5M | $1.0M | 0.34% | 2.83% | 0.50% | 25,793 |
| Q2 2025 | $395.7M | $361.2M | $224.1M | $38.0M | $1.2M | 0.61% | 2.79% | 0.42% | 25,808 |
| Q1 2025 | $390.7M | $357.4M | $217.0M | $37.4M | $540K | 0.55% | 2.68% | 0.43% | 25,732 |
| Q4 2024 | $374.1M | $341.3M | $218.1M | $36.8M | $690K | 0.18% | 2.74% | 0.47% | 25,725 |
| Q3 2024 | $381.5M | $347.5M | $221.6M | $36.8M | $667K | 0.23% | 2.68% | 0.94% | 26,188 |
| Q2 2024 | $378.6M | $346.9M | $216.7M | $37.0M | $467K | 0.25% | 2.69% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 26,156 |
Loan mix (Q1 2026): real estate $83.3M · commercial $63.6M · consumer $78.8M · securities $127.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 78.7% | 84th |
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.