| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +1.1% | +5.4% | -4.3 pts |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 3.5% | 6.3% | -2.7 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.11B | $989.3M | $482.8M | $128.5M | $1.1M | 0.41% | 2.61% | 0.24% | 47,969 |
| Q4 2025 | $1.09B | $964.9M | $481.6M | $127.4M | $4.7M | 0.43% | 2.49% | 0.30% | 47,814 |
| Q3 2025 | $1.07B | $952.2M | $488.9M | $126.0M | $3.0M | 0.38% | 2.50% | 0.30% | 47,820 |
| Q2 2025 | $1.08B | $959.6M | $481.2M | $124.7M | $1.8M | 0.33% | 2.46% | 0.25% | 47,589 |
| Q1 2025 | $1.06B | $949.0M | $477.5M | $123.6M | $652K | 0.25% | 2.44% | 0.24% | 48,855 |
| Q4 2024 | $1.03B | $923.2M | $482.9M | $122.9M | $3.6M | 0.35% | 2.45% | 0.31% | 48,637 |
| Q3 2024 | $1.01B | $903.8M | $490.7M | $121.9M | $2.4M | 0.31% | 2.45% | 0.29% | 48,745 |
| Q2 2024 | $1.02B | $921.7M | $496.3M | $121.1M | $1.5M | 0.30% | 2.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 6.3% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 48,736 |
Loan mix (Q1 2026): real estate $269.7M · commercial $0 · consumer $202.4M · securities $497.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 73.0% | 90th |
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.