| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.8% | -0.1 pts |
| Share growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| ROA | 0.50% | 0.62% | -0.1 pts |
| ROE | 4.0% | 5.9% | -1.9 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $583.6M | $509.8M | $369.4M | $71.9M | $724K | 0.50% | 3.36% | 0.54% | 54,828 |
| Q4 2025 | $564.0M | $490.8M | $363.9M | $71.6M | $4.7M | 0.84% | 2.64% | 0.41% | 54,440 |
| Q3 2025 | $558.5M | $485.1M | $361.9M | $70.6M | $3.6M | 0.87% | 3.55% | 0.36% | 54,565 |
| Q2 2025 | $559.7M | $488.4M | $361.5M | $69.0M | $2.0M | 0.73% | 3.45% | 0.34% | 54,997 |
| Q1 2025 | $557.6M | $487.8M | $361.8M | $67.9M | $904K | 0.65% | 3.35% | 0.28% | 54,671 |
| Q4 2024 | $536.0M | $467.8M | $365.6M | $67.4M | $4.7M | 0.88% | 3.40% | 0.21% | 54,391 |
| Q3 2024 | $537.1M | $468.6M | $371.8M | $66.5M | $3.8M | 0.94% | 3.38% | 0.25% | 54,348 |
| Q2 2024 | $538.3M | $470.7M | $367.1M | $65.1M | $2.4M | 0.88% | 3.31% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.62% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 53,940 |
Loan mix (Q1 2026): real estate $148.1M · commercial $20.1M · consumer $189.6M · securities $68.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 78.3% | 64th |
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.