| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +7.6% | +2.9% | +4.7 pts |
| ROA | 1.36% | 0.69% | +0.7 pts |
| ROE | 8.9% | 5.9% | +2.9 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $423.1M | $354.9M | $320.2M | $64.9M | $1.4M | 1.36% | 4.82% | 0.39% | 38,086 |
| Q4 2025 | $409.5M | $342.3M | $321.5M | $63.8M | $3.0M | 0.74% | 4.27% | 0.44% | 37,546 |
| Q3 2025 | $399.8M | $331.5M | $320.9M | $65.1M | $4.4M | 1.48% | 4.94% | 0.45% | 38,109 |
| Q2 2025 | $396.7M | $330.2M | $301.7M | $63.8M | $3.0M | 1.54% | 4.87% | 0.34% | 37,221 |
| Q1 2025 | $395.7M | $330.8M | $297.6M | $62.1M | $1.4M | 1.37% | 4.77% | 0.33% | 36,698 |
| Q4 2024 | $383.2M | $319.1M | $301.1M | $61.0M | $4.4M | 1.16% | 4.82% | 0.48% | 36,298 |
| Q3 2024 | $375.0M | $312.3M | $303.2M | $60.0M | $3.4M | 1.22% | 4.91% | 0.55% | 37,016 |
| Q2 2024 | $373.1M | $311.6M | $304.9M | $58.8M | $2.2M | 1.19% | 4.90% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 36,586 |
Loan mix (Q1 2026): real estate $53.4M · commercial $1.8M · consumer $258.1M · securities $42.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 78.7% | 27th |
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.