| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | -3.4% | +3.3% | -6.7 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.6 pts |
| ROA | 1.01% | 0.69% | +0.3 pts |
| ROE | 9.3% | 5.9% | +3.3 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 | $381.3M | $329.2M | $216.3M | $41.5M | $961K | 1.01% | 3.77% | 0.51% | 25,343 |
| Q4 2025 | $380.0M | $329.4M | $203.6M | $40.5M | $3.3M | 0.87% | 3.42% | 0.70% | 25,236 |
| Q3 2025 | $370.1M | $326.5M | $196.4M | $39.9M | $2.7M | 0.99% | 3.45% | 0.38% | 25,140 |
| Q2 2025 | $372.0M | $329.7M | $200.6M | $38.6M | $1.3M | 0.72% | 3.29% | 0.41% | 25,013 |
| Q1 2025 | $381.3M | $341.0M | $197.5M | $37.6M | $337K | 0.35% | 3.07% | 0.54% | 24,987 |
| Q4 2024 | $351.5M | $313.0M | $204.1M | $37.3M | $945K | 0.27% | 3.35% | 1.29% | 24,962 |
| Q3 2024 | $364.7M | $324.4M | $208.4M | $37.2M | $862K | 0.32% | 3.22% | 0.24% | 25,521 |
| Q2 2024 | $374.8M | $334.9M | $210.7M | $36.9M | $410K | 0.22% | 3.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.49% |
| 25,520 |
Loan mix (Q1 2026): real estate $121.3M · commercial $37.9M · consumer $55.8M · securities $107.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
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.