| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.8 pts |
| Share growth (YoY) | -0.6% | +3.3% | -3.9 pts |
| Loan growth (YoY) | +10.3% | +2.9% | +7.4 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 4.6% | 5.9% | -1.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $281.6M | $244.3M | $217.2M | $35.9M | $412K | 0.59% | 3.97% | 0.63% | 13,976 |
| Q4 2025 | $282.4M | $244.8M | $219.5M | $35.5M | $1.8M | 0.64% | 3.76% | 0.33% | 13,848 |
| Q3 2025 | $286.8M | $250.1M | $219.4M | $34.7M | $1.0M | 0.47% | 3.60% | 0.41% | 13,753 |
| Q2 2025 | $280.4M | $244.7M | $210.5M | $34.2M | $503K | 0.36% | 3.53% | 0.26% | 13,555 |
| Q1 2025 | $281.1M | $245.9M | $196.9M | $33.9M | $145K | 0.21% | 3.33% | 0.40% | 13,244 |
| Q4 2024 | $276.8M | $241.7M | $190.4M | $33.7M | $1.7M | 0.61% | 3.44% | 0.10% | 13,028 |
| Q3 2024 | $279.2M | $244.6M | $192.3M | $33.3M | $1.1M | 0.50% | 3.38% | 0.04% | 12,960 |
| Q2 2024 | $266.6M | $232.2M | $191.8M | $33.0M | $730K | 0.55% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 12,847 |
Loan mix (Q1 2026): real estate $118.9M · commercial $31.1M · consumer $56.9M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 78.7% | 76th |
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.