| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.8% | +0.6 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +13.8% | +4.3% | +9.5 pts |
| ROA | 0.45% | 0.62% | -0.2 pts |
| ROE | 4.6% | 5.9% | -1.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $514.8M | $439.9M | $382.0M | $51.0M | $582K | 0.45% | 4.32% | 0.58% | 25,220 |
| Q4 2025 | $497.4M | $423.0M | $367.8M | $51.0M | $4.8M | 0.96% | 4.40% | 0.56% | 25,362 |
| Q3 2025 | $489.3M | $416.3M | $365.5M | $49.8M | $3.6M | 0.97% | 4.41% | 0.68% | 25,545 |
| Q2 2025 | $492.7M | $421.9M | $357.2M | $48.4M | $2.2M | 0.90% | 4.29% | 0.78% | 25,556 |
| Q1 2025 | $488.7M | $419.7M | $335.6M | $47.4M | $1.2M | 0.97% | 4.13% | 0.85% | 25,572 |
| Q4 2024 | $470.8M | $404.2M | $312.1M | $46.8M | $3.6M | 0.76% | 4.05% | 1.23% | 25,677 |
| Q3 2024 | $467.9M | $399.7M | $298.0M | $46.3M | $3.1M | 0.89% | 4.04% | 0.96% | 25,839 |
| Q2 2024 | $473.8M | $407.9M | $290.6M | $45.3M | $2.1M | 0.89% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.62% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.91% |
| 26,157 |
Loan mix (Q1 2026): real estate $131.0M · commercial $136.9M · consumer $102.3M · securities $57.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 78.3% | 55th |
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.