| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +3.9% | +5.0 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.5 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 4.8% | 5.9% | -1.1 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $292.3M | $246.4M | $121.0M | $31.0M | $373K | 0.51% | 1.64% | 0.05% | 6,858 |
| Q4 2025 | $264.7M | $217.0M | $121.6M | $30.6M | $1.7M | 0.65% | 1.62% | 0.08% | 6,703 |
| Q3 2025 | $254.2M | $209.7M | $118.1M | $30.2M | $1.3M | 0.66% | 1.64% | 0.02% | 6,691 |
| Q2 2025 | $255.6M | $211.4M | $117.8M | $29.7M | $766K | 0.60% | 1.58% | 0.00% | 6,660 |
| Q1 2025 | $268.4M | $225.4M | $115.9M | $29.2M | $271K | 0.40% | 1.41% | 0.00% | 6,690 |
| Q4 2024 | $246.2M | $203.2M | $117.1M | $28.9M | $919K | 0.37% | 1.37% | 0.00% | 6,708 |
| Q3 2024 | $248.0M | $207.0M | $114.5M | $28.6M | $593K | 0.32% | 1.32% | 0.00% | 6,735 |
| Q2 2024 | $251.7M | $210.7M | $111.9M | $28.4M | $341K | 0.27% | 1.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.64% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.02% |
| 6,751 |
Loan mix (Q1 2026): real estate $102.8M · commercial $0 · consumer $15.7M · securities $128.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 78.7% | 29th |
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.