| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.8% | -2.1 pts |
| Share growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +1.7% | +4.3% | -2.7 pts |
| ROA | 1.58% | 0.62% | +1.0 pts |
| ROE | 10.6% | 5.9% | +4.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $512.1M | $425.8M | $391.5M | $76.3M | $2.0M | 1.58% | 3.95% | 0.54% | 35,653 |
| Q4 2025 | $515.1M | $437.3M | $389.6M | $74.5M | $8.7M | 1.69% | 3.91% | 0.81% | 35,222 |
| Q3 2025 | $507.4M | $426.0M | $390.5M | $71.4M | $5.6M | 1.48% | 3.89% | 1.43% | 34,921 |
| Q2 2025 | $510.0M | $427.1M | $392.1M | $69.4M | $3.6M | 1.43% | 3.82% | 1.37% | 34,500 |
| Q1 2025 | $498.9M | $422.3M | $385.1M | $67.4M | $1.6M | 1.31% | 3.75% | 1.26% | 34,176 |
| Q4 2024 | $484.8M | $408.0M | $382.3M | $65.8M | $6.7M | 1.38% | 3.76% | 1.74% | 33,792 |
| Q3 2024 | $478.6M | $404.9M | $370.8M | $64.4M | $5.3M | 1.47% | 3.76% | 1.53% | 33,273 |
| Q2 2024 | $468.2M | $394.3M | $362.7M | $62.5M | $3.4M | 1.44% | 3.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.62% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.76% |
| 32,685 |
Loan mix (Q1 2026): real estate $186.0M · commercial $8.1M · consumer $176.3M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 78.3% | 19th |
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.