| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | -0.3% | +2.9% | -3.2 pts |
| ROA | 1.03% | 0.69% | +0.3 pts |
| ROE | 7.7% | 5.9% | +1.7 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $331.1M | $284.3M | $195.7M | $44.5M | $854K | 1.03% | 4.11% | 0.86% | 19,713 |
| Q4 2025 | $328.6M | $282.7M | $196.1M | $43.6M | $3.5M | 1.07% | 4.16% | 1.20% | 19,738 |
| Q3 2025 | $317.3M | $272.3M | $196.2M | $42.8M | $2.6M | 1.08% | 4.25% | 1.14% | 19,730 |
| Q2 2025 | $316.7M | $273.0M | $194.7M | $42.1M | $1.9M | 1.22% | 4.21% | 0.74% | 19,774 |
| Q1 2025 | $310.2M | $267.6M | $196.1M | $41.2M | $937K | 1.21% | 4.14% | 0.64% | 19,813 |
| Q4 2024 | $301.5M | $260.0M | $200.3M | $40.2M | $3.6M | 1.19% | 4.31% | 0.86% | 19,826 |
| Q3 2024 | $298.0M | $257.2M | $199.6M | $39.4M | $2.3M | 1.03% | 3.91% | 0.44% | 17,069 |
| Q2 2024 | $297.4M | $256.3M | $199.0M | $38.4M | $1.6M | 1.08% | 4.24% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 19,706 |
Loan mix (Q1 2026): real estate $113.4M · commercial $6.6M · consumer $69.3M · securities $62.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 78.7% | 25th |
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.