| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +3.9% | +4.3 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 1.21% | 0.69% | +0.5 pts |
| ROE | 8.8% | 5.9% | +2.8 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $263.4M | $226.3M | $144.4M | $36.4M | $796K | 1.21% | 3.09% | 0.11% | 10,013 |
| Q4 2025 | $259.3M | $223.7M | $145.7M | $35.6M | $2.7M | 1.03% | 2.87% | 0.14% | 9,991 |
| Q3 2025 | $259.8M | $224.1M | $142.4M | $34.8M | $1.9M | 0.97% | 2.79% | 0.10% | 9,951 |
| Q2 2025 | $250.4M | $215.5M | $138.2M | $34.1M | $1.1M | 0.92% | 2.79% | 0.02% | 9,903 |
| Q1 2025 | $243.4M | $209.6M | $137.0M | $33.5M | $551K | 0.91% | 2.78% | 0.10% | 9,872 |
| Q4 2024 | $241.0M | $208.6M | $135.5M | $33.0M | $1.9M | 0.80% | 2.52% | 0.02% | 9,867 |
| Q3 2024 | $239.7M | $206.8M | $136.1M | $32.5M | $1.4M | 0.77% | 2.47% | 0.23% | 9,822 |
| Q2 2024 | $235.8M | $203.4M | $133.8M | $32.0M | $864K | 0.73% | 2.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 9,744 |
Loan mix (Q1 2026): real estate $113.8M · commercial $4.3M · consumer $21.3M · securities $96.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 78.7% | 17th |
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% |
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