| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | +1.6% | +2.9% | -1.4 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 9.4% | 5.9% | +3.4 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $366.9M | $336.1M | $276.0M | $31.5M | $738K | 0.80% | 3.93% | 1.12% | 20,377 |
| Q4 2025 | $361.5M | $333.0M | $274.3M | $30.8M | $3.2M | 0.88% | 3.94% | 1.16% | 20,360 |
| Q3 2025 | $359.1M | $334.0M | $270.4M | $29.8M | $2.2M | 0.83% | 3.91% | 0.88% | 20,458 |
| Q2 2025 | $355.8M | $331.3M | $273.7M | $28.9M | $1.3M | 0.73% | 3.88% | 0.95% | 20,485 |
| Q1 2025 | $356.9M | $335.1M | $271.7M | $28.1M | $504K | 0.56% | 3.77% | 0.94% | 20,665 |
| Q4 2024 | $352.7M | $327.3M | $274.4M | $27.6M | $1.6M | 0.46% | 3.43% | 1.21% | 20,737 |
| Q3 2024 | $364.4M | $329.1M | $269.2M | $27.2M | $1.2M | 0.43% | 3.25% | 1.11% | 20,756 |
| Q2 2024 | $361.0M | $328.4M | $268.2M | $26.7M | $697K | 0.39% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.02% |
| 20,716 |
Loan mix (Q1 2026): real estate $175.6M · commercial $10.6M · consumer $85.5M · securities $58.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 78.7% | 40th |
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.