| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.4 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -2.4% | +2.9% | -5.3 pts |
| ROA | 0.93% | 0.69% | +0.2 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $399.4M | $355.9M | $244.5M | $46.5M | $933K | 0.93% | 4.29% | 0.24% | 20,443 |
| Q4 2025 | $390.7M | $347.4M | $242.5M | $45.6M | $4.4M | 1.12% | 4.20% | 0.35% | 20,308 |
| Q3 2025 | $394.3M | $352.7M | $244.6M | $44.9M | $3.6M | 1.23% | 4.11% | 0.41% | 20,488 |
| Q2 2025 | $388.8M | $350.4M | $247.7M | $43.4M | $1.6M | 0.83% | 4.09% | 0.36% | 20,450 |
| Q1 2025 | $383.0M | $346.6M | $250.4M | $42.5M | $656K | 0.69% | 4.05% | 0.33% | 20,439 |
| Q4 2024 | $365.5M | $330.1M | $257.9M | $41.8M | $1.6M | 0.44% | 4.15% | 0.50% | 20,315 |
| Q3 2024 | $377.7M | $325.8M | $262.8M | $41.2M | $991K | 0.35% | 4.01% | 0.45% | 20,196 |
| Q2 2024 | $385.9M | $325.8M | $267.7M | $41.3M | $587K | 0.30% | 3.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 20,052 |
Loan mix (Q1 2026): real estate $116.6M · commercial $0 · consumer $119.3M · securities $86.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 78.7% | 29th |
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.