| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -1.9 pts |
| Share growth (YoY) | +4.0% | +3.3% | +0.7 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.7 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 6.0% | 5.9% | +0.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $318.2M | $278.6M | $177.6M | $42.3M | $635K | 0.80% | 3.32% | 0.24% | 15,213 |
| Q4 2025 | $314.7M | $275.9M | $184.6M | $41.7M | $1.9M | 0.61% | 3.27% | 0.71% | 15,591 |
| Q3 2025 | $313.1M | $270.1M | $184.6M | $41.1M | $1.4M | 0.58% | 3.26% | 1.06% | 15,654 |
| Q2 2025 | $307.9M | $267.3M | $184.1M | $40.6M | $853K | 0.55% | 3.28% | 0.49% | 15,511 |
| Q1 2025 | $312.0M | $267.8M | $177.1M | $40.1M | $358K | 0.46% | 3.14% | 0.63% | 15,474 |
| Q4 2024 | $301.5M | $260.1M | $180.6M | $39.7M | $1.8M | 0.61% | 3.20% | 0.90% | 15,612 |
| Q3 2024 | $300.9M | $255.0M | $179.4M | $39.5M | $1.6M | 0.69% | 3.16% | 0.56% | 15,789 |
| Q2 2024 | $299.8M | $255.2M | $184.8M | $39.0M | $1.1M | 0.73% | 3.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 16,078 |
Loan mix (Q1 2026): real estate $105.5M · commercial $0 · consumer $57.6M · securities $83.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 78.7% | 22th |
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.