| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.1 pts |
| Share growth (YoY) | +1.3% | +3.3% | -2.0 pts |
| Loan growth (YoY) | +1.5% | +2.9% | -1.4 pts |
| ROA | 0.90% | 0.69% | +0.2 pts |
| ROE | 7.5% | 5.9% | +1.6 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $497.3M | $429.5M | $379.6M | $59.2M | $1.1M | 0.90% | 3.45% | 0.43% | 26,771 |
| Q4 2025 | $492.1M | $424.5M | $381.4M | $58.1M | $4.7M | 0.96% | 3.40% | 0.49% | 27,190 |
| Q3 2025 | $492.0M | $421.1M | $376.0M | $56.6M | $3.3M | 0.89% | 3.35% | 0.60% | 26,542 |
| Q2 2025 | $495.4M | $427.8M | $375.8M | $55.4M | $2.1M | 0.83% | 3.22% | 0.46% | 26,230 |
| Q1 2025 | $488.6M | $424.0M | $374.0M | $54.4M | $1.1M | 0.89% | 3.14% | 0.38% | 25,909 |
| Q4 2024 | $478.3M | $414.7M | $373.7M | $53.3M | $3.5M | 0.74% | 3.05% | 0.51% | 26,038 |
| Q3 2024 | $473.1M | $405.4M | $364.2M | $52.5M | $2.7M | 0.76% | 3.06% | 0.35% | 25,792 |
| Q2 2024 | $470.9M | $399.8M | $362.8M | $51.5M | $1.7M | 0.72% | 3.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.69% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 25,905 |
Loan mix (Q1 2026): real estate $120.5M · commercial $38.3M · consumer $220.8M · securities $68.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 78.7% | 30th |
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.