| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.2 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +11.8% | +2.9% | +8.9 pts |
| ROA | 1.14% | 0.69% | +0.4 pts |
| ROE | 10.8% | 5.9% | +4.8 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $436.7M | $384.7M | $322.4M | $46.3M | $1.2M | 1.14% | 3.62% | 0.38% | 24,090 |
| Q4 2025 | $417.5M | $366.8M | $316.2M | $45.1M | $4.7M | 1.13% | 3.60% | 0.07% | 24,064 |
| Q3 2025 | $416.1M | $365.1M | $309.5M | $44.2M | $3.4M | 1.08% | 3.54% | 0.10% | 24,278 |
| Q2 2025 | $410.1M | $360.3M | $298.9M | $43.0M | $2.2M | 1.08% | 3.51% | 0.04% | 24,372 |
| Q1 2025 | $407.8M | $358.6M | $288.4M | $41.8M | $985K | 0.97% | 3.43% | 0.03% | 24,117 |
| Q4 2024 | $391.3M | $345.4M | $281.2M | $40.8M | $3.6M | 0.92% | 3.29% | 0.02% | 24,029 |
| Q3 2024 | $376.6M | $330.3M | $278.4M | $40.2M | $2.6M | 0.93% | 3.35% | 0.05% | 24,180 |
| Q2 2024 | $374.7M | $329.1M | $280.5M | $39.3M | $1.7M | 0.93% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 24,364 |
Loan mix (Q1 2026): real estate $143.8M · commercial $105.7M · consumer $67.7M · securities $61.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 78.7% | 33th |
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.