| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.1 pts |
| Share growth (YoY) | +4.1% | +3.3% | +0.8 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.6 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 6.3% | 5.9% | +0.4 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 | $348.5M | $309.6M | $208.8M | $38.1M | $602K | 0.69% | 3.79% | 0.60% | 25,559 |
| Q4 2025 | $344.8M | $306.8M | $207.4M | $37.5M | $3.8M | 1.09% | 3.67% | 0.89% | 25,722 |
| Q3 2025 | $337.6M | $300.0M | $206.5M | $37.0M | $3.1M | 1.24% | 3.71% | 0.79% | 25,854 |
| Q2 2025 | $334.7M | $299.3M | $198.9M | $35.8M | $1.9M | 1.15% | 3.67% | 0.60% | 26,027 |
| Q1 2025 | $331.9M | $297.4M | $190.7M | $34.7M | $883K | 1.06% | 3.58% | 0.59% | 26,064 |
| Q4 2024 | $321.7M | $289.1M | $195.8M | $33.9M | $2.3M | 0.72% | 3.34% | 0.92% | 26,258 |
| Q3 2024 | $315.3M | $283.7M | $192.9M | $33.6M | $1.5M | 0.63% | 3.37% | 0.93% | 26,498 |
| Q2 2024 | $315.2M | $283.1M | $189.9M | $32.8M | $717K | 0.45% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 26,824 |
Loan mix (Q1 2026): real estate $89.3M · commercial $0 · consumer $115.7M · securities $90.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 78.7% | 28th |
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.