| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +3.9% | +2.7 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +7.8% | +2.9% | +4.9 pts |
| ROA | 0.07% | 0.69% | -0.6 pts |
| ROE | 0.6% | 5.9% | -5.3 pts |
ROA ranks in the 10th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $350.0M | $307.3M | $217.0M | $38.5M | $58K | 0.07% | 2.25% | 0.75% | 13,582 |
| Q4 2025 | $324.1M | $281.8M | $208.8M | $38.5M | $503K | 0.16% | 2.38% | 1.25% | 13,504 |
| Q3 2025 | $326.8M | $285.1M | $201.1M | $38.2M | $198K | 0.08% | 2.32% | 1.33% | 13,533 |
| Q2 2025 | $324.7M | $284.5M | $202.2M | $38.2M | $246K | 0.15% | 2.28% | 1.37% | 13,490 |
| Q1 2025 | $328.2M | $287.8M | $201.2M | $38.2M | $214K | 0.26% | 2.30% | 1.13% | 13,436 |
| Q4 2024 | $313.1M | $272.9M | $200.7M | $38.0M | $-345K | -0.11% | 2.08% | 1.29% | 13,426 |
| Q3 2024 | $316.2M | $275.4M | $199.6M | $38.8M | $441K | 0.19% | 2.00% | 0.98% | 13,517 |
| Q2 2024 | $322.4M | $281.8M | $198.0M | $38.4M | $35K | 0.02% | 1.85% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.69% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 5.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.14% |
| 13,517 |
Loan mix (Q1 2026): real estate $167.1M · commercial $0 · consumer $47.1M · securities $85.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 78.7% | 78th |
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.