| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +2.5% | +2.9% | -0.4 pts |
| ROA | 1.79% | 0.69% | +1.1 pts |
| ROE | 11.3% | 5.9% | +5.4 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $370.2M | $309.5M | $223.0M | $58.5M | $1.7M | 1.79% | 3.41% | 0.36% | 20,296 |
| Q4 2025 | $360.4M | $301.1M | $226.4M | $56.8M | $5.1M | 1.41% | 3.49% | 0.32% | 20,116 |
| Q3 2025 | $357.1M | $298.9M | $219.9M | $55.9M | $3.9M | 1.46% | 3.50% | 0.80% | 19,990 |
| Q2 2025 | $353.2M | $296.7M | $218.0M | $54.5M | $2.5M | 1.43% | 3.49% | 0.67% | 19,810 |
| Q1 2025 | $350.5M | $295.2M | $217.4M | $53.2M | $1.3M | 1.45% | 3.40% | 0.48% | 19,640 |
| Q4 2024 | $331.9M | $278.1M | $219.5M | $52.0M | $5.8M | 1.74% | 3.65% | 0.73% | 19,488 |
| Q3 2024 | $325.4M | $272.9M | $218.4M | $50.5M | $4.1M | 1.69% | 3.71% | 0.57% | 19,374 |
| Q2 2024 | $318.9M | $268.0M | $215.4M | $49.0M | $2.6M | 1.66% | 3.75% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.65% |
| 19,578 |
Loan mix (Q1 2026): real estate $94.7M · commercial $18.8M · consumer $92.2M · securities $107.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 78.7% | 17th |
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.