| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | -4.0% | +2.9% | -6.9 pts |
| ROA | 0.94% | 0.69% | +0.2 pts |
| ROE | 6.9% | 5.9% | +1.0 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $309.6M | $266.4M | $58.5M | $42.0M | $725K | 0.94% | 2.33% | 0.01% | 9,188 |
| Q4 2025 | $305.4M | $263.0M | $59.1M | $41.2M | $2.8M | 0.90% | 2.34% | 0.01% | 9,187 |
| Q3 2025 | $302.7M | $261.5M | $59.7M | $40.5M | $2.0M | 0.89% | 2.29% | 0.01% | 9,192 |
| Q2 2025 | $296.5M | $256.6M | $59.8M | $39.9M | $1.4M | 0.94% | 2.32% | 0.02% | 9,221 |
| Q1 2025 | $290.5M | $251.3M | $60.9M | $39.1M | $647K | 0.89% | 2.33% | 0.00% | 9,348 |
| Q4 2024 | $282.4M | $244.4M | $61.9M | $38.5M | $4.1M | 1.44% | 2.81% | 0.02% | 9,335 |
| Q3 2024 | $283.3M | $245.5M | $62.1M | $37.7M | $3.3M | 1.56% | 2.87% | 0.02% | 9,351 |
| Q2 2024 | $284.0M | $248.0M | $62.7M | $36.6M | $2.2M | 1.51% | 2.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.69% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.03% |
| 9,374 |
Loan mix (Q1 2026): real estate $48.5M · commercial $0 · consumer $9.0M · securities $155.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 78.7% | 9th |
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.