| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.8% | +0.1 pts |
| Share growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +9.8% | +4.3% | +5.5 pts |
| ROA | 0.09% | 0.62% | -0.5 pts |
| ROE | 0.9% | 5.9% | -5.0 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $604.1M | $526.4M | $431.9M | $61.5M | $138K | 0.09% | 3.45% | 1.66% | 35,873 |
| Q4 2025 | $580.6M | $502.5M | $433.7M | $61.3M | $2.5M | 0.44% | 3.60% | 2.17% | 35,738 |
| Q3 2025 | $576.2M | $501.5M | $441.6M | $59.7M | $485K | 0.11% | 3.59% | 1.82% | 35,849 |
| Q2 2025 | $577.4M | $504.6M | $411.4M | $59.2M | $-39K | -0.01% | 3.52% | 1.67% | 35,513 |
| Q1 2025 | $576.0M | $502.4M | $393.2M | $59.2M | $-72K | -0.05% | 3.42% | 1.48% | 35,009 |
| Q4 2024 | $551.7M | $478.7M | $390.7M | $59.2M | $4.3M | 0.78% | 3.75% | 2.20% | 34,889 |
| Q3 2024 | $558.5M | $482.3M | $399.6M | $60.5M | $5.1M | 1.22% | 3.71% | 1.77% | 36,109 |
| Q2 2024 | $567.9M | $491.5M | $406.4M | $60.3M | $4.9M | 1.74% | 3.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 0.62% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.90% |
| 36,197 |
Loan mix (Q1 2026): real estate $200.1M · commercial $125.3M · consumer $104.5M · securities $67.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 78.3% | 90th |
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.