| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +6.6% | +3.3% | +3.3 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +3.9 pts |
| ROA | 0.84% | 0.69% | +0.1 pts |
| ROE | 7.6% | 5.9% | +1.7 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $333.9M | $296.1M | $165.4M | $36.7M | $699K | 0.84% | 2.87% | 0.60% | 18,467 |
| Q4 2025 | $319.6M | $282.2M | $162.7M | $36.0M | $3.1M | 0.97% | 2.77% | 0.73% | 18,374 |
| Q3 2025 | $312.1M | $275.9M | $161.5M | $35.0M | $2.1M | 0.89% | 2.77% | 0.57% | 18,407 |
| Q2 2025 | $315.0M | $279.3M | $160.3M | $34.1M | $1.2M | 0.77% | 2.63% | 0.53% | 18,306 |
| Q1 2025 | $312.6M | $277.8M | $154.8M | $33.5M | $556K | 0.71% | 2.51% | 0.45% | 18,274 |
| Q4 2024 | $299.7M | $265.6M | $152.7M | $32.9M | $2.5M | 0.83% | 2.43% | 0.57% | 18,139 |
| Q3 2024 | $291.7M | $258.0M | $150.6M | $32.2M | $1.7M | 0.80% | 2.42% | 0.78% | 18,148 |
| Q2 2024 | $289.1M | $257.8M | $148.2M | $31.6M | $1.2M | 0.83% | 2.40% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 18,050 |
Loan mix (Q1 2026): real estate $91.7M · commercial $3.0M · consumer $61.9M · securities $144.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 78.7% | 26th |
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.