| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +3.9% | +2.7 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.8 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.2 pts |
| ROA | 1.94% | 0.69% | +1.2 pts |
| ROE | 7.4% | 5.9% | +1.4 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $255.1M | $187.4M | $99.4M | $67.2M | $1.2M | 1.94% | 2.98% | 0.26% | 8,606 |
| Q4 2025 | $249.9M | $183.5M | $100.5M | $66.0M | $5.0M | 2.02% | 3.05% | 0.22% | 8,605 |
| Q3 2025 | $244.7M | $179.6M | $101.5M | $64.7M | $3.8M | 2.07% | 3.10% | 0.07% | 8,635 |
| Q2 2025 | $243.0M | $179.2M | $101.5M | $63.4M | $2.5M | 2.05% | 3.11% | 0.23% | 8,631 |
| Q1 2025 | $239.2M | $176.7M | $100.7M | $62.1M | $1.2M | 1.93% | 3.03% | 0.00% | 8,617 |
| Q4 2024 | $233.6M | $172.3M | $101.3M | $60.9M | $5.2M | 2.24% | 3.23% | 0.18% | 8,588 |
| Q3 2024 | $231.7M | $171.5M | $101.3M | $59.7M | $4.0M | 2.29% | 3.27% | 0.01% | 8,711 |
| Q2 2024 | $229.3M | $170.4M | $101.6M | $58.4M | $2.7M | 2.36% | 3.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 8,683 |
Loan mix (Q1 2026): real estate $80.4M · commercial $0 · consumer $17.1M · securities $123.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.1% | 78.7% | 1th |
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.