| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.8% | +1.1 pts |
| Share growth (YoY) | +4.0% | +4.3% | -0.3 pts |
| Loan growth (YoY) | +12.0% | +4.3% | +7.6 pts |
| ROA | 1.70% | 0.62% | +1.1 pts |
| ROE | 17.6% | 5.9% | +11.7 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $538.0M | $491.7M | $418.7M | $51.8M | $2.3M | 1.70% | 4.66% | 0.64% | 36,292 |
| Q4 2025 | $524.7M | $481.7M | $412.4M | $49.6M | $4.5M | 0.86% | 3.95% | 0.86% | 35,957 |
| Q3 2025 | $507.9M | $468.5M | $399.0M | $47.8M | $2.8M | 0.73% | 3.77% | 0.82% | 35,618 |
| Q2 2025 | $511.8M | $475.0M | $390.4M | $46.6M | $1.6M | 0.61% | 3.64% | 0.81% | 35,373 |
| Q1 2025 | $508.4M | $473.0M | $374.0M | $45.8M | $775K | 0.61% | 3.58% | 0.65% | 35,177 |
| Q4 2024 | $488.3M | $454.3M | $375.3M | $45.1M | $2.2M | 0.46% | 3.25% | 0.74% | 35,495 |
| Q3 2024 | $483.0M | $447.4M | $370.9M | $44.6M | $1.7M | 0.48% | 3.20% | 0.76% | 35,248 |
| Q2 2024 | $491.1M | $455.1M | $361.7M | $43.7M | $894K | 0.36% | 3.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.62% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 34,805 |
Loan mix (Q1 2026): real estate $218.2M · commercial $61.8M · consumer $126.0M · securities $57.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 78.3% | 17th |
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.