| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.9% | -0.0 pts |
| Share growth (YoY) | +3.6% | +3.3% | +0.3 pts |
| Loan growth (YoY) | +5.2% | +2.9% | +2.2 pts |
| ROA | 0.10% | 0.69% | -0.6 pts |
| ROE | 1.2% | 5.9% | -4.8 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $424.3M | $364.6M | $265.6M | $37.0M | $108K | 0.10% | 3.53% | 1.09% | 25,993 |
| Q4 2025 | $419.5M | $359.3M | $263.8M | $36.9M | $3.1M | 0.73% | 3.49% | 1.13% | 24,538 |
| Q3 2025 | $412.1M | $351.8M | $258.9M | $36.8M | $2.6M | 0.84% | 3.43% | 1.04% | 24,460 |
| Q2 2025 | $399.4M | $341.8M | $255.4M | $35.2M | $1.1M | 0.53% | 3.48% | 0.96% | 24,308 |
| Q1 2025 | $408.4M | $352.0M | $252.6M | $34.7M | $510K | 0.50% | 3.30% | 1.02% | 24,332 |
| Q4 2024 | $401.7M | $346.4M | $256.7M | $34.2M | $2.4M | 0.60% | 3.20% | 1.05% | 24,452 |
| Q3 2024 | $382.7M | $341.4M | $264.5M | $33.7M | $1.6M | 0.56% | 3.24% | 0.80% | 24,747 |
| Q2 2024 | $374.6M | $337.9M | $269.7M | $33.0M | $865K | 0.46% | 3.23% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 24,747 |
Loan mix (Q1 2026): real estate $119.6M · commercial $9.8M · consumer $104.9M · securities $92.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 78.7% | 77th |
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.