| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.8% | -4.3 pts |
| Share growth (YoY) | +0.1% | +4.3% | -4.2 pts |
| Loan growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| ROA | 1.40% | 0.62% | +0.8 pts |
| ROE | 12.0% | 5.9% | +6.1 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $805.8M | $700.5M | $583.6M | $93.6M | $2.8M | 1.40% | 4.63% | 1.00% | 59,807 |
| Q4 2025 | $803.5M | $697.0M | $568.2M | $90.8M | $7.5M | 0.93% | 4.20% | 1.96% | 59,731 |
| Q3 2025 | $800.6M | $694.8M | $565.4M | $88.5M | $4.2M | 0.70% | 4.13% | 1.58% | 59,542 |
| Q2 2025 | $802.3M | $697.8M | $567.2M | $86.9M | $2.6M | 0.65% | 4.12% | 1.20% | 59,534 |
| Q1 2025 | $802.2M | $699.6M | $547.3M | $85.8M | $1.5M | 0.73% | 3.95% | 1.20% | 60,557 |
| Q4 2024 | $783.4M | $682.0M | $547.1M | $84.3M | $2.1M | 0.26% | 3.73% | 1.86% | 60,531 |
| Q3 2024 | $843.7M | $687.8M | $531.6M | $85.8M | $2.5M | 0.39% | 3.37% | 1.28% | 60,548 |
| Q2 2024 | $852.8M | $699.4M | $533.8M | $84.3M | $989K | 0.23% | 3.22% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.62% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 60,861 |
Loan mix (Q1 2026): real estate $190.0M · commercial $131.4M · consumer $258.5M · securities $95.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 78.3% | 19th |
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.