| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +1.8% | +3.3% | -1.5 pts |
| Loan growth (YoY) | +14.5% | +2.9% | +11.6 pts |
| ROA | 0.44% | 0.69% | -0.3 pts |
| ROE | 4.0% | 5.9% | -1.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $326.7M | $288.5M | $197.6M | $35.5M | $357K | 0.44% | 4.09% | 0.60% | 32,519 |
| Q4 2025 | $319.0M | $281.5M | $193.0M | $35.1M | $1.3M | 0.40% | 3.95% | 0.78% | 32,483 |
| Q3 2025 | $319.8M | $282.7M | $190.9M | $34.6M | $510K | 0.21% | 3.85% | 0.74% | 32,596 |
| Q2 2025 | $321.7M | $284.0M | $174.5M | $34.4M | $324K | 0.20% | 3.75% | 0.94% | 32,210 |
| Q1 2025 | $320.5M | $283.3M | $172.5M | $34.2M | $113K | 0.14% | 3.61% | 1.02% | 32,382 |
| Q4 2024 | $314.6M | $278.1M | $176.9M | $34.1M | $1.3M | 0.40% | 3.61% | 0.81% | 32,613 |
| Q3 2024 | $315.0M | $277.9M | $179.4M | $33.8M | $733K | 0.31% | 3.56% | 0.74% | 33,316 |
| Q2 2024 | $317.8M | $280.7M | $166.8M | $33.7M | $620K | 0.39% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 33,984 |
Loan mix (Q1 2026): real estate $46.3M · commercial $0 · consumer $71.4M · securities $70.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.1% | 78.7% | 69th |
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.