| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.8% | +2.4 pts |
| Share growth (YoY) | +10.1% | +4.3% | +5.8 pts |
| Loan growth (YoY) | +8.2% | +4.3% | +3.9 pts |
| ROA | 0.47% | 0.62% | -0.2 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $639.8M | $562.2M | $435.9M | $60.0M | $745K | 0.47% | 2.64% | 0.37% | 35,263 |
| Q4 2025 | $639.0M | $525.6M | $430.6M | $59.3M | $1.8M | 0.29% | 2.69% | 0.47% | 34,667 |
| Q3 2025 | $619.1M | $537.7M | $425.5M | $59.7M | $2.0M | 0.43% | 2.80% | 0.70% | 34,196 |
| Q2 2025 | $600.5M | $520.9M | $418.2M | $58.8M | $1.1M | 0.36% | 2.81% | 0.62% | 33,739 |
| Q1 2025 | $597.3M | $510.7M | $402.9M | $64.0M | $240K | 0.16% | 2.68% | 0.73% | 33,212 |
| Q4 2024 | $623.2M | $517.9M | $402.0M | $82.4M | $1.6M | 0.26% | 2.09% | 0.69% | 33,318 |
| Q3 2024 | $591.4M | $483.3M | $413.8M | $83.1M | $2.0M | 0.45% | 2.19% | 0.70% | 33,847 |
| Q2 2024 | $600.8M | $490.9M | $431.0M | $83.9M | $2.8M | 0.94% | 2.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.62% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 34,297 |
Loan mix (Q1 2026): real estate $104.6M · commercial $80.8M · consumer $243.1M · securities $78.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.8% | 78.3% | 93th |
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.