| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.7 pts |
| Share growth (YoY) | +9.0% | +3.3% | +5.7 pts |
| Loan growth (YoY) | +2.2% | +2.9% | -0.7 pts |
| ROA | 0.78% | 0.69% | +0.1 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $256.7M | $236.0M | $150.9M | $26.7M | $501K | 0.78% | 3.76% | 0.77% | 27,820 |
| Q4 2025 | $252.6M | $232.3M | $154.0M | $25.6M | $485K | 0.19% | 3.51% | 1.10% | 27,665 |
| Q3 2025 | $248.3M | $228.2M | $154.7M | $26.3M | $649K | 0.35% | 3.53% | 0.72% | 27,604 |
| Q2 2025 | $232.4M | $213.9M | $145.6M | $25.0M | $298K | 0.26% | 3.64% | 0.80% | 24,685 |
| Q1 2025 | $234.1M | $216.5M | $147.6M | $24.7M | $13K | 0.02% | 3.52% | 1.13% | 24,477 |
| Q4 2024 | $232.5M | $215.6M | $150.6M | $24.7M | $159K | 0.07% | 3.57% | 1.21% | 24,407 |
| Q3 2024 | $228.7M | $211.2M | $147.9M | $24.8M | $181K | 0.11% | 3.61% | 1.16% | 24,336 |
| Q2 2024 | $235.8M | $220.6M | $149.5M | $24.9M | $21K | 0.02% | 3.49% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.69% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.05% |
| 24,185 |
Loan mix (Q1 2026): real estate $97.4M · commercial $23.6M · consumer $29.2M · securities $63.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 78.7% | 58th |
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.