| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +3.9% | -0.3 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +10.4% | +2.9% | +7.5 pts |
| ROA | 1.32% | 0.69% | +0.6 pts |
| ROE | 10.9% | 5.9% | +5.0 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $397.7M | $347.8M | $170.0M | $48.3M | $1.3M | 1.32% | 3.25% | 0.60% | 14,364 |
| Q4 2025 | $384.0M | $335.8M | $171.0M | $46.9M | $4.6M | 1.19% | 3.06% | 0.50% | 14,356 |
| Q3 2025 | $385.6M | $337.6M | $163.3M | $46.0M | $3.6M | 1.24% | 2.94% | 0.43% | 14,424 |
| Q2 2025 | $388.1M | $343.1M | $156.5M | $44.8M | $2.4M | 1.22% | 2.80% | 0.43% | 14,406 |
| Q1 2025 | $383.7M | $339.9M | $153.9M | $43.4M | $933K | 0.97% | 2.69% | 0.35% | 14,412 |
| Q4 2024 | $366.5M | $325.0M | $153.3M | $42.5M | $2.6M | 0.72% | 2.52% | 0.47% | 14,472 |
| Q3 2024 | $365.6M | $324.6M | $151.4M | $41.8M | $1.9M | 0.69% | 2.46% | 0.50% | 14,567 |
| Q2 2024 | $359.8M | $320.7M | $152.1M | $41.2M | $1.3M | 0.70% | 2.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 14,647 |
Loan mix (Q1 2026): real estate $102.1M · commercial $13.1M · consumer $52.8M · securities $199.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 78.7% | 7th |
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.