| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +3.9% | -0.5 pts |
| Share growth (YoY) | +3.3% | +3.3% | +0.0 pts |
| Loan growth (YoY) | +20.0% | +2.9% | +17.0 pts |
| ROA | 0.37% | 0.69% | -0.3 pts |
| ROE | 3.9% | 5.9% | -2.1 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $317.9M | $282.9M | $240.7M | $30.5M | $297K | 0.37% | 3.70% | 0.38% | 23,377 |
| Q4 2025 | $313.3M | $279.6M | $230.6M | $30.2M | $1.7M | 0.53% | 3.55% | 0.48% | 23,024 |
| Q3 2025 | $315.4M | $279.4M | $216.0M | $29.6M | $978K | 0.41% | 3.45% | 0.52% | 22,922 |
| Q2 2025 | $312.1M | $277.9M | $211.9M | $29.4M | $766K | 0.49% | 3.39% | 0.54% | 22,896 |
| Q1 2025 | $307.5M | $273.8M | $200.6M | $28.8M | $197K | 0.26% | 3.27% | 0.59% | 22,718 |
| Q4 2024 | $306.8M | $274.3M | $195.1M | $28.6M | $936K | 0.31% | 3.15% | 0.77% | 22,800 |
| Q3 2024 | $301.3M | $267.3M | $196.8M | $28.5M | $721K | 0.32% | 3.19% | 0.70% | 22,740 |
| Q2 2024 | $301.6M | $267.6M | $197.4M | $28.4M | $606K | 0.40% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 22,566 |
Loan mix (Q1 2026): real estate $59.0M · commercial $533K · consumer $173.1M · securities $51.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.4% | 78.7% | 70th |
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.