| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +3.9% | -1.4 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | +2.9% | +2.9% | -0.1 pts |
| ROA | 0.60% | 0.69% | -0.1 pts |
| ROE | 4.3% | 5.9% | -1.6 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $326.2M | $255.1M | $255.9M | $45.5M | $491K | 0.60% | 3.29% | 0.68% | 16,380 |
| Q4 2025 | $310.9M | $240.8M | $261.2M | $45.0M | $3.3M | 1.08% | 3.43% | 0.90% | 16,399 |
| Q3 2025 | $303.7M | $232.9M | $259.5M | $44.3M | $2.2M | 0.98% | 3.48% | 0.72% | 16,339 |
| Q2 2025 | $306.5M | $234.9M | $255.5M | $43.4M | $1.4M | 0.91% | 3.40% | 0.88% | 16,336 |
| Q1 2025 | $318.1M | $247.4M | $248.8M | $42.9M | $833K | 1.05% | 3.21% | 0.59% | 16,316 |
| Q4 2024 | $311.6M | $237.1M | $249.3M | $42.0M | $3.8M | 1.23% | 3.38% | 0.54% | 16,298 |
| Q3 2024 | $304.9M | $232.5M | $244.6M | $41.3M | $2.7M | 1.18% | 3.49% | 0.65% | 16,122 |
| Q2 2024 | $311.2M | $232.9M | $247.8M | $40.5M | $1.9M | 1.22% | 3.43% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 16,130 |
Loan mix (Q1 2026): real estate $75.8M · commercial $0 · consumer $167.9M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 78.7% | 23th |
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.