| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +3.9% | +6.7 pts |
| Share growth (YoY) | +7.6% | +3.3% | +4.3 pts |
| Loan growth (YoY) | +2.2% | +2.9% | -0.8 pts |
| ROA | 0.82% | 0.69% | +0.1 pts |
| ROE | 7.5% | 5.9% | +1.5 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $408.5M | $347.7M | $260.1M | $44.8M | $834K | 0.82% | 4.10% | 1.07% | 20,941 |
| Q4 2025 | $408.9M | $341.0M | $297.8M | $43.9M | $2.9M | 0.72% | 3.76% | 1.38% | 20,850 |
| Q3 2025 | $389.8M | $330.9M | $276.3M | $43.2M | $1.9M | 0.64% | 3.88% | 1.62% | 21,166 |
| Q2 2025 | $370.0M | $323.2M | $271.5M | $42.5M | $1.2M | 0.65% | 4.06% | 1.25% | 21,076 |
| Q1 2025 | $369.2M | $323.2M | $254.6M | $42.0M | $750K | 0.81% | 4.03% | 1.45% | 20,955 |
| Q4 2024 | $363.7M | $316.8M | $254.2M | $41.3M | $2.0M | 0.55% | 3.89% | 1.53% | 21,033 |
| Q3 2024 | $362.3M | $317.7M | $246.7M | $40.9M | $1.3M | 0.49% | 3.85% | 1.49% | 21,519 |
| Q2 2024 | $362.3M | $319.8M | $248.9M | $40.2M | $559K | 0.31% | 3.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.70% |
| 21,617 |
Loan mix (Q1 2026): real estate $158.8M · commercial $31.4M · consumer $62.9M · securities $54.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 78.7% | 38th |
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.