| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +4.4% | +3.3% | +1.1 pts |
| Loan growth (YoY) | +12.4% | +2.9% | +9.5 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $307.2M | $275.9M | $200.8M | $27.7M | $467K | 0.61% | 3.72% | 0.48% | 22,003 |
| Q4 2025 | $290.1M | $259.7M | $198.3M | $27.2M | $1.9M | 0.65% | 3.70% | 0.56% | 21,868 |
| Q3 2025 | $284.2M | $253.9M | $191.2M | $27.3M | $1.7M | 0.78% | 3.72% | 0.40% | 21,740 |
| Q2 2025 | $286.5M | $256.3M | $183.9M | $26.7M | $1.1M | 0.77% | 3.63% | 0.43% | 21,681 |
| Q1 2025 | $294.5M | $264.3M | $178.6M | $25.6M | $696K | 0.95% | 3.42% | 0.37% | 21,566 |
| Q4 2024 | $281.8M | $253.6M | $179.8M | $25.1M | $2.9M | 1.03% | 3.94% | 0.45% | 21,499 |
| Q3 2024 | $274.5M | $248.8M | $176.0M | $23.5M | $1.0M | 0.49% | 3.11% | 0.44% | 21,521 |
| Q2 2024 | $283.1M | $255.6M | $176.0M | $23.0M | $460K | 0.32% | 2.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 21,513 |
Loan mix (Q1 2026): real estate $92.2M · commercial $0 · consumer $96.9M · securities $79.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 78.7% | 58th |
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.