| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +3.9% | -6.2 pts |
| Share growth (YoY) | -4.0% | +3.3% | -7.3 pts |
| Loan growth (YoY) | +6.0% | +2.9% | +3.1 pts |
| ROA | 1.11% | 0.69% | +0.4 pts |
| ROE | 8.7% | 5.9% | +2.8 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $340.6M | $293.7M | $166.7M | $43.2M | $942K | 1.11% | 3.90% | 0.77% | 21,010 |
| Q4 2025 | $342.9M | $298.0M | $164.7M | $42.2M | $3.2M | 0.92% | 3.65% | 0.84% | 20,990 |
| Q3 2025 | $346.3M | $301.8M | $159.5M | $41.5M | $2.2M | 0.86% | 3.58% | 0.79% | 21,035 |
| Q2 2025 | $349.1M | $305.4M | $162.5M | $40.7M | $1.4M | 0.81% | 3.46% | 0.58% | 21,063 |
| Q1 2025 | $348.7M | $305.8M | $157.3M | $39.8M | $562K | 0.64% | 3.43% | 0.54% | 21,200 |
| Q4 2024 | $349.9M | $308.4M | $156.8M | $39.8M | $2.1M | 0.61% | 3.31% | 0.53% | 21,236 |
| Q3 2024 | $348.6M | $308.8M | $153.1M | $39.4M | $1.6M | 0.59% | 3.29% | 0.50% | 22,122 |
| Q2 2024 | $352.4M | $312.8M | $150.7M | $38.8M | $976K | 0.55% | 3.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 22,160 |
Loan mix (Q1 2026): real estate $84.8M · commercial $32.9M · consumer $48.5M · securities $125.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 78.7% | 13th |
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.