| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.8% | +1.1 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +1.5% | +4.3% | -2.8 pts |
| ROA | 1.67% | 0.62% | +1.1 pts |
| ROE | 11.0% | 5.9% | +5.1 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $532.5M | $449.8M | $248.4M | $81.0M | $2.2M | 1.67% | 3.66% | 0.22% | 33,841 |
| Q4 2025 | $519.7M | $438.4M | $249.4M | $78.8M | $8.2M | 1.57% | 3.61% | 0.42% | 33,773 |
| Q3 2025 | $508.7M | $429.3M | $247.9M | $76.8M | $6.2M | 1.62% | 3.66% | 0.35% | 33,951 |
| Q2 2025 | $505.4M | $428.6M | $244.5M | $74.6M | $4.0M | 1.57% | 3.60% | 0.28% | 33,947 |
| Q1 2025 | $502.9M | $429.0M | $244.7M | $72.7M | $1.9M | 1.48% | 3.53% | 0.23% | 34,019 |
| Q4 2024 | $486.7M | $415.9M | $246.3M | $70.8M | $5.7M | 1.18% | 3.18% | 0.47% | 34,030 |
| Q3 2024 | $481.4M | $410.9M | $248.3M | $69.3M | $4.2M | 1.15% | 3.10% | 0.35% | 34,287 |
| Q2 2024 | $476.3M | $409.7M | $251.9M | $67.7M | $2.6M | 1.10% | 3.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.62% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.29% |
| 34,224 |
Loan mix (Q1 2026): real estate $59.1M · commercial $4.7M · consumer $169.7M · securities $224.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 78.3% | 6th |
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.