| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.9% | +3.1 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | -2.0% | +2.9% | -4.9 pts |
| ROA | 1.72% | 0.69% | +1.0 pts |
| ROE | 13.0% | 5.9% | +7.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $280.9M | $242.7M | $137.4M | $37.3M | $1.2M | 1.72% | 3.58% | 0.15% | 19,025 |
| Q4 2025 | $276.6M | $239.2M | $139.1M | $36.1M | $4.3M | 1.55% | 3.20% | 0.20% | 19,214 |
| Q3 2025 | $271.6M | $235.8M | $142.4M | $35.0M | $3.2M | 1.58% | 3.24% | 0.26% | 19,391 |
| Q2 2025 | $268.3M | $234.1M | $141.2M | $33.9M | $2.1M | 1.55% | 3.22% | 0.20% | 19,374 |
| Q1 2025 | $262.5M | $229.4M | $140.2M | $32.8M | $1.0M | 1.53% | 3.19% | 0.21% | 19,364 |
| Q4 2024 | $255.5M | $224.1M | $139.8M | $31.8M | $3.5M | 1.39% | 3.08% | 0.15% | 19,410 |
| Q3 2024 | $252.3M | $220.8M | $141.8M | $30.9M | $2.6M | 1.40% | 3.07% | 0.11% | 19,584 |
| Q2 2024 | $250.8M | $220.7M | $142.6M | $29.9M | $1.6M | 1.30% | 3.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.69% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 19,653 |
Loan mix (Q1 2026): real estate $8.7M · commercial $0 · consumer $127.5M · securities $97.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 78.7% | 6th |
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.