| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.3 pts |
| Share growth (YoY) | -3.1% | +3.3% | -6.4 pts |
| Loan growth (YoY) | -2.5% | +2.9% | -5.5 pts |
| ROA | 1.65% | 0.69% | +1.0 pts |
| ROE | 9.2% | 5.9% | +3.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $398.8M | $322.1M | $269.4M | $71.4M | $1.6M | 1.65% | 5.13% | 0.52% | 47,480 |
| Q4 2025 | $386.3M | $310.9M | $276.2M | $70.3M | $9.8M | 2.53% | 5.49% | 0.70% | 47,453 |
| Q3 2025 | $384.2M | $311.5M | $278.1M | $66.4M | $5.9M | 2.05% | 5.52% | 0.58% | 47,356 |
| Q2 2025 | $388.9M | $318.5M | $276.7M | $64.7M | $4.2M | 2.16% | 5.63% | 0.46% | 47,369 |
| Q1 2025 | $400.5M | $332.5M | $276.4M | $62.6M | $2.1M | 2.07% | 5.68% | 0.51% | 47,128 |
| Q4 2024 | $400.9M | $329.3M | $278.6M | $60.9M | $2.7M | 0.66% | 4.64% | 0.66% | 46,994 |
| Q3 2024 | $411.9M | $332.5M | $276.8M | $60.1M | $1.8M | 0.57% | 4.44% | 0.64% | 46,945 |
| Q2 2024 | $395.7M | $331.0M | $276.1M | $59.4M | $1.1M | 0.57% | 4.54% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 46,725 |
Loan mix (Q1 2026): real estate $78.7M · commercial $24.8M · consumer $157.6M · securities $26.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 78.7% | 36th |
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.