| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | +4.6% | +2.9% | +1.7 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 7.3% | 5.9% | +1.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $306.4M | $270.0M | $203.0M | $35.2M | $638K | 0.83% | 4.24% | 0.93% | 21,491 |
| Q4 2025 | $307.5M | $269.1M | $211.0M | $34.7M | $2.2M | 0.72% | 4.14% | 0.96% | 21,455 |
| Q3 2025 | $303.3M | $268.4M | $211.0M | $33.9M | $1.4M | 0.61% | 4.11% | 0.76% | 22,173 |
| Q2 2025 | $299.2M | $264.1M | $205.9M | $33.3M | $797K | 0.53% | 4.08% | 0.87% | 21,792 |
| Q1 2025 | $297.0M | $263.7M | $194.0M | $32.9M | $378K | 0.51% | 4.03% | 0.81% | 21,372 |
| Q4 2024 | $291.1M | $259.0M | $197.4M | $32.7M | $1.3M | 0.45% | 3.65% | 1.04% | 21,323 |
| Q3 2024 | $298.2M | $266.5M | $198.0M | $32.0M | $541K | 0.24% | 3.39% | 0.79% | 21,197 |
| Q2 2024 | $295.7M | $266.1M | $193.4M | $31.6M | $167K | 0.11% | 3.27% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 21,070 |
Loan mix (Q1 2026): real estate $70.9M · commercial $3.7M · consumer $116.4M · securities $61.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 78.7% | 38th |
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.