| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | +10.3% | +2.9% | +7.4 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $261.9M | $231.7M | $170.8M | $32.5M | $431K | 0.66% | 2.72% | 0.07% | 11,688 |
| Q4 2025 | $259.0M | $224.1M | $170.0M | $32.0M | $1.6M | 0.63% | 2.59% | 0.17% | 11,649 |
| Q3 2025 | $249.6M | $215.4M | $165.8M | $31.6M | $1.2M | 0.63% | 2.62% | 0.09% | 11,586 |
| Q2 2025 | $243.1M | $215.0M | $159.8M | $31.0M | $580K | 0.48% | 2.64% | 0.21% | 11,498 |
| Q1 2025 | $242.3M | $214.5M | $154.8M | $30.7M | $258K | 0.43% | 2.53% | 0.17% | 11,375 |
| Q4 2024 | $236.8M | $210.2M | $151.7M | $30.4M | $1.3M | 0.56% | 2.65% | 0.46% | 11,305 |
| Q3 2024 | $236.0M | $207.5M | $152.7M | $29.1M | $1.1M | 0.62% | 2.71% | 0.39% | 11,439 |
| Q2 2024 | $231.8M | $204.8M | $149.9M | $29.9M | $793K | 0.68% | 2.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 13,879 |
Loan mix (Q1 2026): real estate $123.1M · commercial $2.9M · consumer $11.7M · securities $56.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.7% | 56th |
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.