| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.9% | +1.4 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.2 pts |
| Loan growth (YoY) | +12.4% | +2.9% | +9.5 pts |
| ROA | 0.22% | 0.69% | -0.5 pts |
| ROE | 2.7% | 5.9% | -3.3 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $401.5M | $375.7M | $292.8M | $32.9M | $219K | 0.22% | 2.44% | 1.24% | 14,135 |
| Q4 2025 | $407.6M | $369.5M | $284.4M | $32.7M | $423K | 0.10% | 2.30% | 1.47% | 14,057 |
| Q3 2025 | $397.9M | $363.6M | $276.3M | $32.7M | $264K | 0.09% | 2.32% | 1.50% | 14,120 |
| Q2 2025 | $383.4M | $361.1M | $266.1M | $32.5M | $94K | 0.05% | 2.32% | 1.38% | 14,373 |
| Q1 2025 | $381.3M | $359.6M | $260.5M | $32.4M | $-38K | -0.04% | 2.24% | 1.45% | 14,314 |
| Q4 2024 | $369.1M | $348.9M | $253.0M | $32.4M | $-932K | -0.25% | 2.09% | 1.61% | 14,247 |
| Q3 2024 | $374.2M | $351.8M | $236.1M | $32.9M | $-578K | -0.21% | 2.03% | 1.69% | 14,296 |
| Q2 2024 | $362.6M | $342.8M | $242.6M | $33.3M | $-247K | -0.14% | 2.10% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.04% |
| 14,454 |
Loan mix (Q1 2026): real estate $190.2M · commercial $51.5M · consumer $49.8M · securities $69.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 78.7% | 80th |
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.