| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.2 pts |
| Share growth (YoY) | +3.2% | +3.3% | -0.1 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.5 pts |
| ROA | 0.77% | 0.69% | +0.1 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $237.9M | $209.1M | $172.4M | $23.6M | $457K | 0.77% | 3.20% | 0.22% | 18,877 |
| Q4 2025 | $232.4M | $205.0M | $172.6M | $23.2M | $2.0M | 0.87% | 3.06% | 0.74% | 18,606 |
| Q3 2025 | $226.7M | $199.5M | $173.6M | $22.7M | $1.5M | 0.91% | 3.07% | 0.59% | 18,697 |
| Q2 2025 | $225.3M | $197.8M | $174.8M | $22.1M | $927K | 0.82% | 3.01% | 0.50% | 18,858 |
| Q1 2025 | $229.4M | $202.6M | $168.3M | $21.4M | $229K | 0.40% | 2.89% | 0.33% | 18,790 |
| Q4 2024 | $224.2M | $199.0M | $169.8M | $21.2M | $2.0M | 0.91% | 2.71% | 0.94% | 18,911 |
| Q3 2024 | $221.3M | $196.2M | $171.2M | $20.8M | $1.6M | 0.99% | 2.71% | 0.76% | 18,968 |
| Q2 2024 | $220.3M | $195.9M | $168.7M | $20.2M | $1.1M | 0.96% | 2.72% |
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% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 18,965 |
Loan mix (Q1 2026): real estate $81.5M · commercial $6.9M · consumer $73.2M · securities $25.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 78.7% | 61th |
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.