| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.4 pts |
| Share growth (YoY) | +2.1% | +3.3% | -1.2 pts |
| Loan growth (YoY) | -2.1% | +2.9% | -5.0 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 8.5% | 5.9% | +2.6 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $281.5M | $257.2M | $143.1M | $25.7M | $545K | 0.77% | 3.26% | 0.42% | 12,922 |
| Q4 2025 | $277.5M | $253.4M | $145.3M | $25.2M | $2.4M | 0.87% | 3.27% | 0.87% | 13,027 |
| Q3 2025 | $273.8M | $251.1M | $145.6M | $24.6M | $1.8M | 0.89% | 3.28% | 0.70% | 13,080 |
| Q2 2025 | $273.9M | $252.7M | $146.3M | $23.9M | $1.2M | 0.88% | 3.23% | 0.43% | 13,139 |
| Q1 2025 | $271.8M | $251.8M | $146.1M | $23.3M | $588K | 0.86% | 3.18% | 0.19% | 13,086 |
| Q4 2024 | $257.1M | $238.2M | $146.1M | $22.8M | $1.9M | 0.75% | 3.29% | 0.31% | 13,012 |
| Q3 2024 | $259.2M | $239.6M | $146.7M | $22.5M | $1.6M | 0.84% | 3.25% | 0.21% | 13,077 |
| Q2 2024 | $254.2M | $236.6M | $146.5M | $21.9M | $1.1M | 0.86% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 13,032 |
Loan mix (Q1 2026): real estate $93.1M · commercial $8.5M · consumer $36.1M · securities $94.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 78.7% | 43th |
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.