| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.8% | -3.7 pts |
| Share growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| Loan growth (YoY) | -0.4% | +4.3% | -4.8 pts |
| ROA | 0.67% | 0.62% | +0.0 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $916.0M | $745.2M | $328.8M | $148.8M | $1.5M | 0.67% | 1.60% | 0.09% | 16,398 |
| Q4 2025 | $903.7M | $734.1M | $333.8M | $147.3M | $6.0M | 0.67% | 1.59% | 0.30% | 16,337 |
| Q3 2025 | $897.0M | $731.3M | $331.2M | $145.8M | $4.5M | 0.67% | 1.62% | 0.30% | 16,420 |
| Q2 2025 | $894.2M | $730.4M | $332.2M | $144.2M | $3.0M | 0.66% | 1.61% | 0.42% | 16,453 |
| Q1 2025 | $906.1M | $737.0M | $330.2M | $142.7M | $1.4M | 0.62% | 1.55% | 0.14% | 16,473 |
| Q4 2024 | $891.8M | $734.8M | $327.8M | $141.3M | $4.4M | 0.50% | 1.40% | 0.33% | 16,456 |
| Q3 2024 | $905.9M | $730.6M | $331.6M | $140.1M | $3.3M | 0.48% | 1.37% | 0.46% | 16,502 |
| Q2 2024 | $888.6M | $735.6M | $318.9M | $138.8M | $1.9M | 0.43% | 1.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.62% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.60% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 16,384 |
Loan mix (Q1 2026): real estate $294.7M · commercial $0 · consumer $31.4M · securities $465.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 78.3% | 8th |
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.