| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +2.9% | +3.3% | -0.4 pts |
| Loan growth (YoY) | -5.0% | +2.9% | -8.0 pts |
| ROA | 1.02% | 0.69% | +0.3 pts |
| ROE | 11.0% | 5.9% | +5.0 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $389.1M | $349.1M | $270.7M | $36.3M | $994K | 1.02% | 3.23% | 0.54% | 30,171 |
| Q4 2025 | $378.7M | $341.4M | $267.6M | $35.3M | $873K | 0.23% | 3.06% | 0.21% | 30,155 |
| Q3 2025 | $378.1M | $341.5M | $274.1M | $35.4M | $795K | 0.28% | 3.00% | 0.24% | 30,308 |
| Q2 2025 | $373.6M | $338.7M | $282.5M | $34.6M | $57K | 0.03% | 2.94% | 0.12% | 30,353 |
| Q1 2025 | $374.2M | $339.5M | $285.1M | $34.4M | $-173K | -0.18% | 2.82% | 0.29% | 30,241 |
| Q4 2024 | $377.3M | $339.8M | $282.7M | $34.6M | $15K | 0.00% | 2.63% | 0.27% | 30,227 |
| Q3 2024 | $380.8M | $340.7M | $289.1M | $34.5M | $-218K | -0.08% | 2.59% | 0.37% | 30,306 |
| Q2 2024 | $386.2M | $337.5M | $298.9M | $34.4M | $-312K | -0.16% | 2.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.18% |
| 30,289 |
Loan mix (Q1 2026): real estate $162.3M · commercial $4.1M · consumer $87.6M · securities $71.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.7% | 36th |
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.