| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | -3.1% | +2.9% | -6.1 pts |
| ROA | 1.83% | 0.69% | +1.1 pts |
| ROE | 12.1% | 5.9% | +6.2 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $314.4M | $265.3M | $134.7M | $47.4M | $1.4M | 1.83% | 3.78% | 0.43% | 19,401 |
| Q4 2025 | $310.4M | $262.4M | $136.1M | $46.0M | $4.9M | 1.59% | 3.84% | 0.37% | 19,333 |
| Q3 2025 | $306.4M | $259.9M | $137.6M | $45.1M | $3.3M | 1.45% | 3.87% | 0.34% | 19,848 |
| Q2 2025 | $305.7M | $260.9M | $139.5M | $43.6M | $2.4M | 1.55% | 3.82% | 0.17% | 19,513 |
| Q1 2025 | $300.9M | $257.4M | $139.0M | $42.5M | $1.3M | 1.67% | 3.82% | 0.17% | 19,528 |
| Q4 2024 | $293.1M | $251.7M | $140.9M | $41.3M | $3.9M | 1.33% | 3.92% | 0.34% | 19,639 |
| Q3 2024 | $291.3M | $250.0M | $139.4M | $40.4M | $2.8M | 1.30% | 3.94% | 0.28% | 20,012 |
| Q2 2024 | $291.7M | $252.3M | $140.8M | $39.5M | $1.9M | 1.28% | 3.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 20,085 |
Loan mix (Q1 2026): real estate $54.8M · commercial $0 · consumer $75.8M · securities $100.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 78.7% | 13th |
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.