| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +3.9% | -8.4 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | -4.5% | +2.9% | -7.5 pts |
| ROA | 0.54% | 0.69% | -0.2 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $454.4M | $402.8M | $242.6M | $42.7M | $609K | 0.54% | 3.56% | 0.32% | 19,855 |
| Q4 2025 | $464.6M | $408.4M | $249.8M | $42.1M | $3.0M | 0.64% | 3.39% | 0.68% | 19,834 |
| Q3 2025 | $462.6M | $389.1M | $254.4M | $41.5M | $2.4M | 0.68% | 3.35% | 0.43% | 19,881 |
| Q2 2025 | $448.5M | $393.9M | $252.2M | $40.6M | $1.4M | 0.64% | 3.39% | 0.70% | 19,878 |
| Q1 2025 | $476.0M | $393.9M | $254.2M | $39.5M | $328K | 0.28% | 3.10% | 0.79% | 19,782 |
| Q4 2024 | $447.3M | $384.4M | $257.1M | $39.2M | $1.0M | 0.23% | 3.09% | 0.75% | 19,682 |
| Q3 2024 | $442.4M | $378.8M | $260.3M | $38.8M | $529K | 0.16% | 3.07% | 0.66% | 19,783 |
| Q2 2024 | $442.5M | $381.1M | $259.4M | $38.6M | $385K | 0.17% | 3.06% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 19,725 |
Loan mix (Q1 2026): real estate $193.5M · commercial $170K · consumer $48.2M · securities $104.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.9% | 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.