| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.9% | +3.1 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.3 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $483.2M | $419.2M | $117.6M | $73.7M | $1.1M | 0.92% | 2.20% | 1.14% | 15,047 |
| Q4 2025 | $474.0M | $409.9M | $118.1M | $72.6M | $3.7M | 0.77% | 2.15% | 1.15% | 15,129 |
| Q3 2025 | $463.4M | $400.7M | $118.4M | $71.6M | $2.7M | 0.76% | 2.16% | 1.10% | 15,255 |
| Q2 2025 | $461.8M | $403.4M | $116.8M | $70.8M | $1.9M | 0.80% | 2.12% | 1.50% | 15,273 |
| Q1 2025 | $451.7M | $394.9M | $116.8M | $69.9M | $925K | 0.82% | 2.12% | 1.57% | 15,315 |
| Q4 2024 | $438.0M | $385.5M | $117.8M | $69.1M | $3.0M | 0.68% | 2.17% | 1.91% | 15,409 |
| Q3 2024 | $428.0M | $372.0M | $118.8M | $68.3M | $2.2M | 0.69% | 2.20% | 1.58% | 15,429 |
| Q2 2024 | $429.0M | $379.1M | $117.4M | $67.6M | $1.5M | 0.72% | 2.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.20% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 15,421 |
Loan mix (Q1 2026): real estate $70.9M · commercial $0 · consumer $45.7M · securities $304.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 78.7% | 8th |
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.