| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.9% | +0.8 pts |
| Share growth (YoY) | +4.6% | +3.3% | +1.3 pts |
| Loan growth (YoY) | +1.2% | +2.9% | -1.7 pts |
| ROA | 0.54% | 0.69% | -0.2 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $242.9M | $217.7M | $142.8M | $21.4M | $328K | 0.54% | 3.22% | 0.84% | 13,367 |
| Q4 2025 | $238.1M | $212.9M | $143.2M | $21.1M | $1.4M | 0.58% | 3.13% | 1.67% | 13,287 |
| Q3 2025 | $235.6M | $210.8M | $143.1M | $20.6M | $890K | 0.50% | 3.11% | 1.47% | 13,283 |
| Q2 2025 | $232.1M | $208.1M | $141.7M | $20.3M | $614K | 0.53% | 3.10% | 1.07% | 13,192 |
| Q1 2025 | $232.0M | $208.0M | $141.0M | $20.0M | $313K | 0.54% | 3.02% | 0.74% | 13,065 |
| Q4 2024 | $224.9M | $201.9M | $141.7M | $19.7M | $859K | 0.38% | 2.88% | 1.06% | 13,818 |
| Q3 2024 | $223.1M | $200.3M | $142.2M | $19.4M | $562K | 0.34% | 2.82% | 1.15% | 13,016 |
| Q2 2024 | $216.8M | $194.1M | $139.5M | $19.1M | $292K | 0.27% | 2.82% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.10% |
| 12,857 |
Loan mix (Q1 2026): real estate $81.2M · commercial $11.5M · consumer $41.5M · securities $68.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 78.7% | 59th |
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.