| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 1.00% | 0.69% | +0.3 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $252.2M | $229.5M | $142.4M | $26.3M | $632K | 1.00% | 3.45% | 1.35% | 17,727 |
| Q4 2025 | $246.5M | $223.8M | $136.1M | $25.8M | $1.4M | 0.57% | 3.43% | 1.84% | 17,655 |
| Q3 2025 | $248.0M | $225.5M | $136.7M | $25.3M | $821K | 0.44% | 3.41% | 1.48% | 17,716 |
| Q2 2025 | $250.4M | $228.3M | $139.9M | $25.3M | $854K | 0.68% | 3.34% | 1.14% | 17,665 |
| Q1 2025 | $248.3M | $226.7M | $138.4M | $25.3M | $908K | 1.46% | 3.34% | 1.12% | 17,638 |
| Q4 2024 | $238.2M | $218.4M | $142.2M | $24.6M | $1.1M | 0.47% | 3.38% | 1.76% | 17,568 |
| Q3 2024 | $236.4M | $214.4M | $143.4M | $24.5M | $1.1M | 0.60% | 3.37% | 1.45% | 17,567 |
| Q2 2024 | $238.0M | $217.5M | $140.8M | $24.8M | $1.3M | 1.08% | 3.30% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.10% |
| 17,485 |
Loan mix (Q1 2026): real estate $65.1M · commercial $13.4M · consumer $62.9M · securities $67.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 78.7% | 33th |
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.