| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +11.1% | +2.9% | +8.2 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $256.1M | $228.6M | $198.7M | $27.5M | $357K | 0.56% | 2.50% | 0.99% | 6,618 |
| Q4 2025 | $252.7M | $223.5M | $196.2M | $27.1M | $1.2M | 0.48% | 2.30% | 0.73% | 6,627 |
| Q3 2025 | $248.6M | $222.5M | $188.0M | $26.8M | $838K | 0.45% | 2.25% | 0.80% | 6,645 |
| Q2 2025 | $248.3M | $223.0M | $181.1M | $26.4M | $474K | 0.38% | 2.16% | 1.30% | 6,652 |
| Q1 2025 | $248.2M | $223.4M | $178.8M | $26.6M | $206K | 0.33% | 2.11% | 1.28% | 6,683 |
| Q4 2024 | $245.7M | $221.2M | $181.0M | $26.4M | $276K | 0.11% | 1.91% | 1.32% | 6,730 |
| Q3 2024 | $247.1M | $222.2M | $178.9M | $26.2M | $106K | 0.06% | 1.84% | 0.52% | 6,740 |
| Q2 2024 | $242.7M | $219.3M | $176.7M | $26.1M | $70K | 0.06% | 1.86% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 6,730 |
Loan mix (Q1 2026): real estate $160.5M · commercial $5.6M · consumer $27.4M · securities $51.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 78.7% | 34th |
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.