| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.8% | -0.8 pts |
| Share growth (YoY) | +2.2% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| ROA | 0.57% | 0.62% | -0.0 pts |
| ROE | 6.5% | 5.9% | +0.6 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $615.1M | $543.4M | $310.8M | $54.0M | $883K | 0.57% | 3.01% | 0.67% | 42,349 |
| Q4 2025 | $589.5M | $537.5M | $318.9M | $53.1M | $3.7M | 0.62% | 3.09% | 0.76% | 42,032 |
| Q3 2025 | $590.6M | $540.0M | $298.7M | $52.7M | $2.6M | 0.58% | 3.03% | 0.85% | 42,746 |
| Q2 2025 | $584.8M | $538.7M | $300.2M | $51.6M | $1.5M | 0.53% | 2.98% | 0.76% | 42,446 |
| Q1 2025 | $591.9M | $531.8M | $305.9M | $50.7M | $613K | 0.41% | 2.85% | 0.80% | 42,273 |
| Q4 2024 | $575.4M | $513.7M | $317.8M | $50.1M | $1.8M | 0.31% | 2.64% | 0.96% | 42,046 |
| Q3 2024 | $590.2M | $510.9M | $326.9M | $50.2M | $1.2M | 0.26% | 2.50% | 1.02% | 43,361 |
| Q2 2024 | $586.6M | $511.5M | $335.7M | $49.8M | $819K | 0.28% | 2.45% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.62% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 43,091 |
Loan mix (Q1 2026): real estate $112.8M · commercial $3.3M · consumer $188.5M · securities $225.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 78.3% | 50th |
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.