| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.7 pts |
| Loan growth (YoY) | +10.1% | +2.9% | +7.2 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 4.7% | 5.9% | -1.3 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $460.9M | $403.5M | $326.2M | $56.6M | $660K | 0.57% | 2.41% | 1.54% | 9,588 |
| Q4 2025 | $457.6M | $401.2M | $320.9M | $55.9M | $2.7M | 0.60% | 2.14% | 1.95% | 9,488 |
| Q3 2025 | $449.0M | $393.2M | $318.6M | $55.8M | $2.1M | 0.61% | 2.12% | 2.14% | 9,418 |
| Q2 2025 | $444.5M | $389.7M | $309.5M | $54.8M | $1.1M | 0.50% | 2.05% | 1.91% | 9,290 |
| Q1 2025 | $438.7M | $384.5M | $296.3M | $54.2M | $471K | 0.43% | 2.02% | 1.38% | 9,129 |
| Q4 2024 | $430.6M | $376.9M | $291.8M | $53.7M | $613K | 0.14% | 1.69% | 1.19% | 8,950 |
| Q3 2024 | $427.0M | $373.9M | $288.1M | $53.8M | $203K | 0.06% | 1.61% | 2.47% | 8,723 |
| Q2 2024 | $425.3M | $372.1M | $283.1M | $53.6M | $5K | 0.00% | 1.58% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.78% |
| 8,488 |
Loan mix (Q1 2026): real estate $214.9M · commercial $81.7M · consumer $15.1M · securities $111.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.7% | 36th |
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.