| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.8% | -2.8 pts |
| Share growth (YoY) | +1.7% | +4.3% | -2.6 pts |
| Loan growth (YoY) | -2.6% | +4.3% | -6.9 pts |
| ROA | 0.62% | 0.62% | -0.0 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $544.7M | $479.8M | $352.0M | $63.4M | $842K | 0.62% | 2.62% | 0.12% | 21,183 |
| Q4 2025 | $542.7M | $478.6M | $353.4M | $62.5M | $2.4M | 0.45% | 2.54% | 0.25% | 21,238 |
| Q3 2025 | $534.3M | $470.4M | $358.4M | $62.3M | $2.2M | 0.56% | 2.57% | 0.21% | 20,098 |
| Q2 2025 | $537.8M | $474.4M | $360.8M | $61.7M | $1.7M | 0.61% | 2.51% | 0.12% | 21,172 |
| Q1 2025 | $534.4M | $471.9M | $361.4M | $60.8M | $745K | 0.56% | 2.49% | 0.07% | 20,235 |
| Q4 2024 | $529.2M | $467.4M | $363.8M | $60.1M | $2.0M | 0.37% | 2.26% | 0.38% | 20,307 |
| Q3 2024 | $518.2M | $457.0M | $367.6M | $59.6M | $1.5M | 0.38% | 2.25% | 0.33% | 20,426 |
| Q2 2024 | $531.3M | $470.8M | $375.8M | $58.8M | $682K | 0.26% | 2.05% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.62% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 20,551 |
Loan mix (Q1 2026): real estate $310.6M · commercial $0 · consumer $38.1M · securities $95.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 78.3% | 51th |
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.