| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +3.9% | -10.1 pts |
| Share growth (YoY) | +0.2% | +3.3% | -3.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.1 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 8.4% | 5.9% | +2.5 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $336.0M | $276.5M | $247.2M | $44.8M | $942K | 1.12% | 3.17% | 0.05% | 15,242 |
| Q4 2025 | $332.5M | $271.0M | $253.1M | $43.8M | $2.0M | 0.60% | 2.75% | 0.09% | 15,265 |
| Q3 2025 | $345.2M | $273.2M | $250.3M | $43.3M | $1.4M | 0.55% | 2.55% | 0.10% | 15,302 |
| Q2 2025 | $358.7M | $275.8M | $244.2M | $42.7M | $769K | 0.43% | 2.33% | 0.22% | 15,078 |
| Q1 2025 | $358.0M | $275.8M | $239.9M | $42.1M | $198K | 0.22% | 2.16% | 0.19% | 15,457 |
| Q4 2024 | $347.2M | $269.9M | $226.5M | $41.9M | $1.2M | 0.35% | 2.06% | 0.09% | 14,981 |
| Q3 2024 | $351.5M | $270.3M | $226.9M | $41.6M | $801K | 0.30% | 2.00% | 0.14% | 14,966 |
| Q2 2024 | $354.9M | $271.9M | $228.5M | $41.5M | $650K | 0.37% | 1.98% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 5.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 15,007 |
Loan mix (Q1 2026): real estate $131.7M · commercial $0 · consumer $114.6M · securities $65.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 78.7% | 18th |
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.