| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.8% | +1.7 pts |
| Share growth (YoY) | +6.4% | +4.3% | +2.1 pts |
| Loan growth (YoY) | +0.6% | +4.3% | -3.7 pts |
| ROA | 0.35% | 0.62% | -0.3 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $870.0M | $765.0M | $589.5M | $99.1M | $765K | 0.35% | 2.85% | 0.63% | 60,152 |
| Q4 2025 | $846.2M | $741.0M | $596.3M | $98.3M | $4.1M | 0.48% | 2.93% | 0.65% | 59,844 |
| Q3 2025 | $831.1M | $727.6M | $592.6M | $97.5M | $3.2M | 0.52% | 3.00% | 0.79% | 59,674 |
| Q2 2025 | $824.5M | $722.6M | $595.4M | $96.3M | $2.0M | 0.48% | 3.02% | 0.73% | 59,419 |
| Q1 2025 | $817.0M | $719.1M | $586.0M | $96.1M | $708K | 0.35% | 2.94% | 0.64% | 59,990 |
| Q4 2024 | $799.2M | $704.3M | $588.3M | $95.4M | $4.5M | 0.57% | 2.92% | 0.91% | 59,723 |
| Q3 2024 | $798.5M | $703.1M | $587.5M | $95.3M | $3.5M | 0.59% | 2.90% | 0.76% | 59,494 |
| Q2 2024 | $794.6M | $696.5M | $592.3M | $93.5M | $1.7M | 0.43% | 2.84% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.62% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.78% |
| 59,133 |
Loan mix (Q1 2026): real estate $273.4M · commercial $0 · consumer $263.4M · securities $133.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 78.3% | 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.