| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -1.1% | -2.4% | +1.2 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 8.7% | 4.1% | +4.6 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.8M | $22.0M | $20.4M | $4.6M | $101K | 1.50% | 4.12% | 0.12% | 1,849 |
| Q4 2025 | $26.7M | $21.9M | $20.2M | $4.5M | $357K | 1.34% | 3.68% | 0.24% | 1,836 |
| Q3 2025 | $25.8M | $21.2M | $19.9M | $4.5M | $323K | 1.67% | 3.96% | 0.14% | 1,824 |
| Q2 2025 | $26.3M | $21.4M | $21.1M | $4.4M | $203K | 1.54% | 3.78% | 0.27% | 1,806 |
| Q1 2025 | $25.7M | $21.2M | $20.7M | $4.3M | $96K | 1.49% | 3.77% | 0.18% | 1,795 |
| Q4 2024 | $24.5M | $20.2M | $20.4M | $4.2M | $354K | 1.44% | 3.66% | 0.10% | 1,788 |
| Q3 2024 | $24.4M | $20.0M | $19.7M | $4.1M | $334K | 1.83% | 4.02% | 0.26% | 1,773 |
| Q2 2024 | $25.2M | $21.0M | $20.5M | $4.0M | $215K | 1.71% | 3.86% | 0.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,767 |
Loan mix (Q1 2026): real estate $9.5M · commercial $0 · consumer $9.1M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 81.5% | 10th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Hawaii, HI, ranked 15th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hawaii, HI | 1 | $21.4M* | 0.31% | 15th |
Hawaii: 50th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1