| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.8% | +1.2 pts |
| Share growth (YoY) | +4.7% | +4.3% | +0.4 pts |
| Loan growth (YoY) | +14.8% | +4.3% | +10.5 pts |
| ROA | 1.48% | 0.62% | +0.9 pts |
| ROE | 11.2% | 5.9% | +5.3 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $517.3M | $451.4M | $285.4M | $68.5M | $1.9M | 1.48% | 3.95% | 0.85% | 42,421 |
| Q4 2025 | $494.7M | $429.0M | $283.9M | $66.5M | $6.7M | 1.35% | 4.00% | 1.05% | 42,845 |
| Q3 2025 | $491.4M | $430.2M | $281.5M | $64.5M | $4.6M | 1.25% | 3.96% | 0.73% | 43,075 |
| Q2 2025 | $487.0M | $428.6M | $264.7M | $62.6M | $2.7M | 1.10% | 3.90% | 0.99% | 42,854 |
| Q1 2025 | $488.1M | $431.1M | $248.6M | $60.9M | $938K | 0.77% | 3.72% | 0.92% | 42,417 |
| Q4 2024 | $471.6M | $417.9M | $245.9M | $60.0M | $2.5M | 0.53% | 2.76% | 1.17% | 46,576 |
| Q3 2024 | $310.2M | $277.1M | $158.3M | $41.5M | $2.5M | 1.07% | 3.58% | 1.46% | 24,486 |
| Q2 2024 | $310.8M | $281.6M | $160.9M | $40.6M | $1.6M | 1.02% | 3.53% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.62% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.08% |
| 24,084 |
Loan mix (Q1 2026): real estate $69.6M · commercial $17.4M · consumer $187.0M · securities $110.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 78.3% | 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.