| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.8% | +2.7 pts |
| Share growth (YoY) | +7.1% | +4.3% | +2.8 pts |
| Loan growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| ROA | 0.42% | 0.62% | -0.2 pts |
| ROE | 3.0% | 5.9% | -2.9 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $760.7M | $664.4M | $330.8M | $104.7M | $795K | 0.42% | 3.47% | 0.18% | 42,970 |
| Q4 2025 | $728.2M | $631.1M | $329.8M | $103.9M | $5.0M | 0.69% | 3.52% | 0.21% | 42,831 |
| Q3 2025 | $718.2M | $622.7M | $327.5M | $103.1M | $4.2M | 0.78% | 3.53% | 0.22% | 42,928 |
| Q2 2025 | $712.0M | $620.5M | $324.4M | $101.6M | $2.7M | 0.75% | 3.47% | 0.18% | 42,753 |
| Q1 2025 | $707.9M | $620.4M | $317.1M | $99.9M | $1.0M | 0.59% | 3.42% | 0.25% | 42,788 |
| Q4 2024 | $686.9M | $602.7M | $319.9M | $98.9M | $5.1M | 0.74% | 3.48% | 0.31% | 42,897 |
| Q3 2024 | $686.3M | $597.7M | $321.5M | $98.6M | $4.7M | 0.91% | 3.51% | 0.18% | 43,189 |
| Q2 2024 | $681.4M | $601.3M | $329.1M | $96.7M | $2.8M | 0.82% | 3.51% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.62% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 43,290 |
Loan mix (Q1 2026): real estate $108.8M · commercial $59.7M · consumer $141.4M · securities $354.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 78.3% | 87th |
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.