| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.9% | +1.5 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +9.8% | +2.9% | +6.8 pts |
| ROA | 1.44% | 0.69% | +0.7 pts |
| ROE | 12.9% | 5.9% | +7.0 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $404.4M | $356.2M | $262.3M | $44.9M | $1.5M | 1.44% | 3.78% | 0.18% | 31,766 |
| Q4 2025 | $393.1M | $345.7M | $256.8M | $43.5M | $5.9M | 1.51% | 3.64% | 0.18% | 31,705 |
| Q3 2025 | $385.1M | $340.1M | $251.1M | $41.5M | $4.0M | 1.38% | 3.63% | 0.21% | 31,909 |
| Q2 2025 | $390.1M | $346.9M | $244.7M | $40.0M | $2.4M | 1.24% | 3.47% | 0.24% | 31,624 |
| Q1 2025 | $383.7M | $343.4M | $239.0M | $38.6M | $987K | 1.03% | 3.33% | 0.26% | 31,455 |
| Q4 2024 | $365.2M | $328.3M | $240.1M | $37.6M | $4.6M | 1.25% | 3.32% | 0.23% | 31,165 |
| Q3 2024 | $361.5M | $325.2M | $239.7M | $36.3M | $3.2M | 1.20% | 3.30% | 0.21% | 30,964 |
| Q2 2024 | $358.8M | $324.6M | $233.2M | $35.1M | $2.0M | 1.13% | 3.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 30,374 |
Loan mix (Q1 2026): real estate $70.8M · commercial $65.4M · consumer $115.3M · securities $52.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 78.7% | 24th |
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.