| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.9% | -1.7 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +9.9% | +2.9% | +7.0 pts |
| ROA | 0.13% | 0.69% | -0.6 pts |
| ROE | 1.3% | 5.9% | -4.6 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $426.8M | $377.6M | $310.0M | $43.8M | $143K | 0.13% | 3.79% | 0.31% | 27,935 |
| Q4 2025 | $418.5M | $370.2M | $300.9M | $43.7M | $130K | 0.03% | 3.45% | 0.46% | 27,680 |
| Q3 2025 | $410.1M | $362.6M | $286.5M | $43.9M | $95K | 0.03% | 3.42% | 0.36% | 27,479 |
| Q2 2025 | $416.9M | $369.5M | $284.5M | $43.9M | $165K | 0.08% | 3.27% | 0.40% | 27,472 |
| Q1 2025 | $417.5M | $369.5M | $282.0M | $43.8M | $66K | 0.06% | 3.16% | 0.34% | 27,502 |
| Q4 2024 | $411.1M | $363.2M | $278.7M | $43.8M | $3.4M | 0.82% | 3.01% | 0.41% | 27,497 |
| Q3 2024 | $407.8M | $360.6M | $279.4M | $44.1M | $3.5M | 1.14% | 2.99% | 0.22% | 27,800 |
| Q2 2024 | $407.1M | $360.0M | $279.2M | $44.1M | $3.4M | 1.68% | 2.96% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 27,879 |
Loan mix (Q1 2026): real estate $126.1M · commercial $0 · consumer $183.5M · securities $59.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.1% | 78.7% | 89th |
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.