| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +3.9% | -3.4 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | -2.3% | +2.9% | -5.3 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $341.8M | $283.0M | $186.4M | $55.5M | $616K | 0.72% | 2.83% | 0.37% | 9,983 |
| Q4 2025 | $339.8M | $281.9M | $188.8M | $54.9M | $3.1M | 0.92% | 2.72% | 0.41% | 10,017 |
| Q3 2025 | $339.9M | $281.9M | $190.7M | $54.4M | $2.2M | 0.86% | 2.69% | 0.21% | 10,083 |
| Q2 2025 | $340.4M | $283.3M | $191.6M | $53.7M | $1.5M | 0.88% | 2.61% | 0.41% | 10,115 |
| Q1 2025 | $340.1M | $283.8M | $190.9M | $52.9M | $716K | 0.84% | 2.53% | 0.37% | 10,139 |
| Q4 2024 | $331.7M | $276.4M | $195.0M | $52.2M | $2.1M | 0.62% | 2.26% | 0.25% | 10,222 |
| Q3 2024 | $327.4M | $272.1M | $196.6M | $52.0M | $1.4M | 0.57% | 2.22% | 0.19% | 10,310 |
| Q2 2024 | $327.1M | $272.3M | $195.6M | $51.6M | $930K | 0.57% | 2.17% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.83% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 10,315 |
Loan mix (Q1 2026): real estate $118.4M · commercial $0 · consumer $66.7M · securities $115.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 78.7% | 21th |
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.