| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.8% | -1.8 pts |
| Share growth (YoY) | +1.9% | +4.3% | -2.4 pts |
| Loan growth (YoY) | +1.6% | +4.3% | -2.8 pts |
| ROA | 0.56% | 0.62% | -0.1 pts |
| ROE | 6.7% | 5.9% | +0.7 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $534.2M | $492.2M | $332.4M | $45.2M | $753K | 0.56% | 2.69% | 0.19% | 28,552 |
| Q4 2025 | $523.1M | $482.4M | $332.0M | $44.4M | $2.1M | 0.41% | 2.55% | 0.26% | 28,570 |
| Q3 2025 | $515.7M | $475.2M | $330.9M | $43.8M | $1.5M | 0.37% | 2.54% | 0.24% | 28,794 |
| Q2 2025 | $517.2M | $479.6M | $329.8M | $43.2M | $747K | 0.29% | 2.48% | 0.18% | 28,936 |
| Q1 2025 | $519.0M | $483.1M | $327.3M | $42.8M | $306K | 0.24% | 2.40% | 0.14% | 28,818 |
| Q4 2024 | $503.9M | $470.1M | $328.4M | $42.5M | $1.5M | 0.31% | 2.20% | 0.24% | 28,937 |
| Q3 2024 | $499.9M | $464.6M | $326.1M | $43.2M | $2.3M | 0.61% | 2.16% | 0.24% | 29,060 |
| Q2 2024 | $506.5M | $467.2M | $321.6M | $42.9M | $2.0M | 0.78% | 2.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.62% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.19% |
| 29,013 |
Loan mix (Q1 2026): real estate $197.4M · commercial $0 · consumer $134.3M · securities $140.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.3% | 52th |
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.