| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +3.9% | -1.4 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | +6.3% | +2.9% | +3.4 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 4.7% | 5.9% | -1.2 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $479.5M | $410.0M | $224.3M | $67.2M | $791K | 0.66% | 2.73% | 1.97% | 20,767 |
| Q4 2025 | $475.5M | $406.8M | $225.6M | $66.5M | $2.1M | 0.44% | 2.54% | 2.10% | 20,705 |
| Q3 2025 | $473.8M | $406.5M | $222.6M | $66.0M | $1.6M | 0.46% | 2.52% | 2.04% | 21,024 |
| Q2 2025 | $468.9M | $402.6M | $218.5M | $66.2M | $975K | 0.42% | 2.48% | 1.47% | 20,963 |
| Q1 2025 | $467.6M | $401.6M | $210.9M | $65.8M | $535K | 0.46% | 2.42% | 1.50% | 20,828 |
| Q4 2024 | $448.5M | $383.3M | $204.1M | $65.2M | $2.3M | 0.52% | 2.50% | 2.16% | 20,728 |
| Q3 2024 | $446.2M | $382.9M | $204.3M | $64.7M | $1.7M | 0.52% | 2.53% | 2.07% | 20,813 |
| Q2 2024 | $441.2M | $378.3M | $199.6M | $65.0M | $1.2M | 0.52% | 2.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.56% |
| 20,785 |
Loan mix (Q1 2026): real estate $171.3M · commercial $0 · consumer $51.5M · securities $152.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 78.7% | 31th |
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.