| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.8% | -2.9 pts |
| Share growth (YoY) | -0.1% | +4.3% | -4.3 pts |
| Loan growth (YoY) | -0.2% | +4.3% | -4.6 pts |
| ROA | 0.83% | 0.62% | +0.2 pts |
| ROE | 6.4% | 5.9% | +0.5 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $799.7M | $648.5M | $575.2M | $102.9M | $1.7M | 0.83% | 3.53% | 1.40% | 51,987 |
| Q4 2025 | $785.9M | $636.2M | $584.4M | $101.2M | $7.7M | 0.98% | 3.51% | 1.45% | 51,861 |
| Q3 2025 | $763.0M | $634.3M | $569.5M | $97.8M | $4.2M | 0.74% | 3.57% | 1.24% | 52,703 |
| Q2 2025 | $776.8M | $639.4M | $575.6M | $96.8M | $3.3M | 0.85% | 3.52% | 1.82% | 52,513 |
| Q1 2025 | $784.8M | $648.9M | $576.6M | $94.1M | $617K | 0.31% | 3.39% | 1.83% | 52,737 |
| Q4 2024 | $765.4M | $630.5M | $587.5M | $93.5M | $5.2M | 0.68% | 3.44% | 2.05% | 52,781 |
| Q3 2024 | $761.5M | $635.9M | $584.4M | $94.8M | $3.2M | 0.56% | 3.20% | 3.10% | 53,187 |
| Q2 2024 | $764.2M | $642.2M | $587.1M | $93.3M | $1.7M | 0.44% | 3.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.62% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 3.25% |
| 53,607 |
Loan mix (Q1 2026): real estate $155.0M · commercial $11.3M · consumer $397.8M · securities $46.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 78.3% | 22th |
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.